Pension analysts refer to Social Security, employer-sponsored retirement plans, and personal savings as the "three-legged stool" of retirement income, but for some workers at least one of the legs is missing. Many workers fail to save adequately for retirement and many are not covered by an employer-sponsored retirement plan. Data from the Federal Reserve Board's Survey of Consumer Finances (SCF) indicate that only 58% of households with an employed head or spouse between the ages of 21 and 64 included at least one worker who participated in an employer-sponsored retirement plan in 2001.