Approximately 30% of UK employers do not provide basic online access to pension information, potentially disengaging millions of workers from retirement saving.
That is according to new research from PwC, which finds that more than a third of employees have never viewed their pension online, despite increasing demand for the technology.
This is particularly true among younger workers, with 60% of those born after 1994 saying they would use tools like automated advice apps and online pension portals linked to bank accounts.
"Younger generations are used to and expect a digital approach, but when it comes to pensions, many employers are lagging behind," PwC pension partner, Steve Blackmore, said.
"Nine out of 10 employers rely on a one-size-fits-all approach to communicating with pension scheme members, even though different generations clearly want to engage in different ways."
PwC said pension technology also presents benefits for scheme sponsors and trustees in terms of savings, access to de-risking analysis, enhanced cyber security and improved governance standards.
It was found that eight out of ten employers see the technology as a key area for investment, but that just 39% are aware of new tools that can help improve retirement planning.
This is despite many employees lacking confidence in their pension saving, and just 34% being prepared to pay a financial advisor for support - leaving the burden on employers.
Six out of ten business leaders said they did plan to invest in pensions technology over the next three years, and 68% are taking steps to encourage earlier engagement with savings among workers.
"Electronic communication has become the norm in almost every other aspect of employee engagement, banking and retail," PwC head of pensions, Jeremy May, said.
"Employers recognise that better engagement is needed and embracing new technology and alternative forms of communication should now be viewed as a priority."