Feeling the squeeze of the economic downturn, three out of four 401(k) participants (72 percent) are likely not on track to meet retirement goals based on their current 401(k) balance, plan contributions, and projected Social Security, according to a new report by Financial Engines, America’s largest independent registered investment adviser. Of that 72 percent, Financial Engines projects that the typical participant will be able to replace only 45 percent of their pre-retirement income, compared to a 70 percent goal. On a positive note, however, the report showed that participants in plans with automatic enrollment and Qualified Default Investment Alternatives (QDIAs) are better off than those without.