Given new retirement reality, take another look at your plans

More and more boomers—and younger generations as well—are talking about working in some capacity beyond what might be considered the "normal" retirement age.

The reality, however, is that the uncertain economy, causing workers to retire much later than expected, means that traditional retirement must be re-imagined.

In the wake of the most wrenching downturn since the Great Depression, surveys suggested many workers were planning to delay retirement for at least a few years. A few years ago, before the stock market began to boom again, various iterations of upper ages becoming "the new 65" became a popular line. It characterized the stark realities facing some retirees, faced with dwindling nest eggs and dark financial prospects.

Senior couple financial planning
JackF | iStock / 360 | Getty Images

Driven by the new realities of living longer and lingering financial pressures from the Great Recession, it may be more important than ever before to pay attention to your retirement plan.

The founders of BrightScope, an independent provider of retirement plan ratings and investment analytics, say their ratings system can help consumers compare plans of various employers and also find financial advice.

Read MoreRetirement years not so golden

It's important to pay attention to the "quality of investment options and how low the fees are," said BrightScope chief operating officer Ryan Alfred.

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Ryan Alfred's brother, BrightScope CEO Mike Alfred, agreed. "When you make data widely accessible, people can view it, they can make comparisons and they can make better decisions," he said.