While some industry experts say there's little or nothing tofear on the retirement front, deep down inside we all know it's nottrue.

How else to explain how worried everyone is aboutretirement?

Insecurity on the job or a complete absence of employment, lowand frozen salaries, high expenses and unpredictable markets havethrown people into a tizzy over how they're going to afford toretire, or how they might be able to cheat their retirement demonsby continuing to work.

Why, it's enough to give a person gray hair (assuming they don'thave it already).

And now a new report from the National Association of GovernmentDefined Contribution Administrators, Inc. has provided a whole hostof statistics that is just about guaranteed to strike terror intothe heart of anyone who's ever contemplated retirement — even as anintellectual exercise.

It certainly has done so for them; here's their openingsentence: “The unfortunate state of Americans' financialpreparedness for retirement is well-documented, and may be summedin two words: NOT READY.” (Bold caps theirs, by the way.)

One thing they're super-worried about is the looming disaster ofhealth care costs for retirees — something that they say nobody isready for, and that most people don't even seem to realize willbecome a major problem.

We've pulled out 10 statistics from NAGDCA's report that seem tous to rank pretty high on the nightmare list.

We offer them here for your delectation—and to keep you awake atnight when you need to stay alert and figure out how to get moremoney to pay those senior bills.

1. 22%

Just 22% of workers are very confident they will have enoughmoney in retirement, according to the Employee Benefit ResearchInstitute's 25th annual “Retirement Confidence Survey.”

2.45%

According to recent congressional testimony, 45% of Americanshave saved exactly nothing — zero, zip, nada — towardretirement.

In fact, although lots of higher-net-worth folks have — and use— retirement accounts, those on the lower end of the spectrum aretruly ill-prepared to venture forth into retirement.

The testimony said, “Overall, the average working household haslittle to nothing saved for retirement. The medianretirement-account balance is only $3,000 for working-agehouseholds and only $12,000 for households approaching retirement.In two-thirds of working households with earners between ages 55and 64 years, at least one earner has saved less than one year'sincome for retirement.”

3.Not seen since the Great Depression

According to the report, that's the magnitude of the financialchallenges that will be faced by upcoming retirees — the firstgeneration since that terrible time to do so.

4. 20years beyond age 65

That's the expected additional lifespan of a woman of 65, twoyears longer than a man, but it's likely to bring her a lot offinancial grief.

Women will face even greater challenges than men (see #3)because a) they live longer and b) they make less.

Add to that the fact that, according to Department of Laborstatistics, they're more likely to have worked “part-time jobs thatdon't qualify for a retirement plan or interrupt their careers totake care of family members, resulting in lower retirement plansavings.”

Despite being diligent savers when they do have access toretirement accounts, the fact that women are not inherentrisk-takers works against them in the market, driving down returnson their savings (although they will, of course, have largerbalances than men who take crazy risks and lose everything — justnot large enough balances to live on for another 20 years).

5. Oneout of six

Just one in six employers offers health insurance coverage toretirees these days.

And that's a very big deal, since the costs of health care inretirement make up the bulk of our list.

In days gone by, when employers provided defined benefit plans(remember those?) that paid a steady fixed pension every month,they also frequently offered health coverage to people who hadspent a good chunk of their lives at the firm growing thebusiness.

But no more. Now health insurance coverage during retirement canbe summed up in one word for most people: Medicare.

Some lucky ones have six words: Medicare and long-term careinsurance. But if not, you're on your own when disasterstrikes.

6.$220,000

That's how much the average 65-year-old couple can expect topart with over the next 20 years in out-of-pocket costs for healthcare, thanks to not having any insurance to pick up the tab.

That's $220,000 more that you'll need to retire, and that's ifyou don't get hit with some kind of catastrophic illness orinjury.

7. 5.8%

That's the projected annual growth rate for health care spendingthrough 2022.

Assuming a standard retirement projection based on withdrawing4% per year to live on during retirement, so that you don't touchthe principal and have enough to live on for the rest of your life,where does that leave you?

You do the math. Sure you can. Use a calculator.

8.62%

That's all the average retiree can expect Medicare to pay of hishealth care expenses, once it finally kicks in.

Congress decided when it passed the Patient Protection andAffordable Care Act of 2010 that it was going to beat back whateverit could of the program's budget-deficit projections by mandating“various cost-containment measures,” the report said. “For the mostpart, the savings accrue to the federal government.”

Yep, that's right. The government, which has the freedom tobring in more money via higher taxes and other means.

Not to you — and you can't raise your retirement income, shortof going back to work. So you'll have less to spend on otherthings, like food and that roof over your head.

9.38%

That's how much of your medical expenses you'll have to pay whenyou file a claim with Medicare.

In case you're wondering how your medical expenses will shakeout, the report very kindly broke them down as follows: 23% forout-of-pocket prescription drug expenses; 32% for Medicare premiumsfor parts B and D; and — the whopper — 45% for Medicare copays,cost sharing and deductibles.

10.$200,000+

Remember we mentioned long-term care insurance?

Well, if you don't have it and it turns out you need it, thefigure immediately above is what you could end up paying for asingle year in a skilled nursing facility (read “nursing home”)or a high-end assisted living facility (particularly ifcosts continue to escalate).

How does that fit into the retirement budget?