How much confidence do you have in your retirement?

A new survey shows only 47% of women are saving enough for their golden years, compared with 57% of men.

More Americans are worried about their quality of life in retirement. Confidence about being able to save enough to ensure “a desirable standard of living” dropped this year, according to a new report. The worry was particularly strong among women.

Some 52% of individuals surveyed view their retirement prospects negatively, down 3 percentage points from last year. Only 47% of women said they were saving enough for their golden years, compared with 57% of men.

That gender gap is one of many differences in savings behavior found in the ninth annual America Saves Week survey, released by the Consumer Federation of America (CFA). The poll, a representative sample of more than 1,000 nonretired Americans, found gender gaps in 12 areas. A big one: Some 74% of men surveyed said they’d made progress in savings, compared with 67% of women. The percentage of men reporting good or excellent progress in saving for retirement was also higher, at 44% to women’s 36%. (To be fair, 10% of men and 17% of women said they were guessing about how much they’d need to live comfortably in retirement.)

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“The most important reason for the gender gap in savings is differences in income and wealth,” said Stephen Brobeck, the CFA’s executive director, as men’s larger incomes and financial assets make it easier for them to save. As of 2014, the average woman made 79 cents to every man’s dollar. Research also suggests that student debt haunts women longer than it does men.

An October 2015 study by Financial Finesse, a financial education company, found that for a 45-year-old woman’s retirement savings to equal a man’s, she’d have to save $126 for every $100 the man set aside. The company cited lower Social Security benefits, longer life expectancy and smaller retirement savings balances because of lower-paying jobs as the big factors leading to a shortfall in retirement savings for women.

Here are other highlights from the CFA’s survey:
• Forty-nine percent of those surveyed are saving at least 5% of their income. That’s a decline from last year’s poll, where the result was 52%, though still higher than 2014’s 47%.
• Forty-three percent say they have automatic savings programs outside of work-sponsored accounts, the same percentage as last year.
• One bright point is that 38% of those surveyed said they had no consumer debt. That’s up from 36% last year. In 2014, it was 39%.
• More people are getting to know their net worth. In 2016, 47% of those surveyed said they knew, up from 43% in 2015 and 40% in 2014.