A new survey suggests there is a link between pension savings and a person's socio-economic status.
While there is an 83% take-up in pension schemes among large employers or people in senior managerial roles, just 27% of those in routine occupations belong to a pension scheme.
The results of the wealth and assets survey by the ONS also established a relationship between pension scheme membership and types of household.
While almost two-thirds of married/cohabiting men without children and single women without children have a pension, only a third of single parents are planning for old age by contributing to a pension scheme.
The figures suggest low-earners could face poverty in retirement without the financial security of a pension, and might need help on money management issues if they are to find a way to contribute to a pension scheme.
The survey also found that participation in private sector pension schemes is falling, while the ONS added that some 41% of "savers" have not actually saved from their incomes in the past year.