There’s no easy way to say this: Americans are not saving for their futures.

The numbers for retirement savings already looked discouraging with the average American couple only having put away $5,000, but the situation may be worse: only a third of working Americans are saving money in an employer-sponsored or tax-deferred retirement account, according to U.S. Census Bureau researchers, as reported in Bloomberg. And that’s only if their employers even offer such plans, which, according to this research, only 14% do (and they’re likely large companies).