The recent decline in workers' confidence regarding retirement savings could be good news for the 401(k) business. The 2001 Retirement Confidence Survey, compiled by Mathew Greenwald & Associates and by the Employee Benefits Research Institute, found that 63 percent of workers are confident that the money they have saved for retirement is sufficient. According to the survey, 72 percent of workers last year were confident they have enough money to live comfortably after their working years. "Workers have long underestimated how much they'll need to retire," says Mathew Greenwald. "There is a lot of evidence that Americans are not spending enough for retirement." A number of banking, mutual fund, and insurance companies are taking advantage of consumers' retirement woes. By educating workers to do more to gain control of their retirement assets, financial institutions and the like are seeing an increasing number of retirement plan participants.