In this difficult economy, the 10th Annual Transamerica Retirement Survey found that while nearly half of the U.S. employers surveyed had undertaken cost-cutting measures such as lay-offs and salary freezes, relatively few had reduced or eliminated retirement benefits. This survey of a nationally-representative sample of 596 employers, conducted between January and February of 2009, also yielded insights into the willingness of employers to offer plan features that were brought to the forefront in the Pension Protection Act of 2006, including investment advice and automatic enrollment.