Employee's in state government, health and education have less saved for retirement.  I'm surprised- but a recent study by Fidelity Investments of 403b, and 457 plans they manage indicates average savings are lagging 401k participants.

That means the workers need to save more on their own, yet the average balance in workers' defined contribution plans -- such as 403b plans, which take their name from a section of the federal tax code -- is $48,000. That's 23 percent less than the average $62,000 saved by workers in the corporate sector, the study said.