While the financial industry focuses on how to plan and invest for retirement success, Americans are more concerned with how to save.

According to the recently released 401(k) Participant Survey from San Francisco-based Schwab Retirement Plan Services, finding ways to save for a successful retirement topped the list of Americans’ financial concerns.

While 40 percent of survey participants cited retirement savings as their greatest stressor, other issues loomed: 24 percent of respondents said job security, 21 percent said credit card debt and 20 percent said keeping up with their monthly expenses.

Even millennial respondents were most likely to name retirement saving as their primary source of financial stress. Saving was identified by 38 percent of the millennial participants, ranking higher than monthly expenses (29 percent), credit card debt (26 percent) or student loans (24 percent).

Almost half of the survey’s respondents, 49 percent, felt like it was impossible to save enough in their 401(k) for a comfortable retirement.

Fewer than half of the respondents, 43 percent, had an ideal retirement savings target identified. Participants were more  likely to know their ideal credit score, weight or blood pressure than they were to know how much they would need for a comfortable retirement.

According to the survey, the 401(k) is the largest or only source of retirement savings for most people -- 90 percent of respondents called it a “must-have” benefit in their workplace. Yet only 51 percent said that they felt on-top of their 401(k) and 35 percent said that they felt stressed about choosing the right 401(k) investments.

Respondents expressed an appetite for assistance around their 401(k) plans -- while only 10 percent currently access professional 401(k) help, 70 percent said they would like some personalized advice for their plans.

Almost half of the participants, 46 percent, said that they desired advice regarding how much they need to save for retirement. Other areas of advice named by respondents included determining a retirement age, 46 percent; figuring out retirement expenses, 39 percent; and anticipating tax expenses in retirement, 38 percent.

The survey of 1,000 U.S. 401(k) participants was conducted online between June 2 and June 8, 2016.