The Great British Retirement Survey looked at issues like savings gaps, pension knowledge, working later in life and the Great Wealth Transfer.
interactive investor released calculations showing that average earners could boost their retirement savings by £243,200.
Some women could be left with a £12,554 shortfall in pension wealth if employers mistakenly reduce their contributions based on statutory maternity pay, rather than their full salary.
The survey revealed that 21% intended to withdraw more money from their pensions to spend it, and 19% aimed to gift it.
90% of self-employed workers aged 55 and over were off track for a moderately comfortable retirement.