Workers in Scotland and Northern Ireland were the least affected by the shortfall with people in Glasgow, Edinburgh, Aberdeen and Belfast, all facing a deficit of less than £100,000.
Shortfall calculations were based on the auto-enrolment level of pension contributions from the employer and employee from age 21 to 66.
The report assumed an inflation-adjusted growth rate of 2.57 percent per year, net of charges buying an annuity on a single life, level basis with a five years guarantee period at 66, plus state pension income.
The annual income shortfall was multiplied by the number of years from 66 to life expectancy to reveal the overall deficit expected during the course of retirement.
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