Research by benefits consultancy Portus Consulting found that this number rises to 46% among those employees aged between 35 and 44.
However, just 21% say their employer has contacted them about the changes to pension laws, with less than three months to go until the new rules are in place.
The new proposals allow savers to withdraw money from their pensions when they choose, and 25% of any amount withdrawn will be tax-free.
The research also found 11% of employees are not saving anything for retirement, with women less likely to save than men.
Portus Consulting chairman Stuart Grey warned employers of the “confusion and potential problems” that may accompany the pensions changes, but also highlighted the possible benefits.
He said: “There is a real opportunity for businesses to underline their commitment to staff by taking a wider role in providing support on retirement planning. Clearly that can be challenging for employers, but there will be real benefit from providing help.”