According to a new study, 48% of African-American workers (down from 62% in 2003) and 41% of Hispanic workers (down from 60% in 2003) say they have saved money for retirement, making them less likely than workers overall (66%) to have saved.

That’s just one of the findings by the nonpartisan Employee Benefit Research Institute’s recently released 2007 Minority Retirement Confidence Survey.

The EBRI survey also found that 70% of workers overall, 72% of African-Americans, and 69% of Hispanics say they will have enough money to live comfortably throughout their retirement years.

However, the survey notes that 54% of African-Americans and 55% of Hispanics report having less than $10,000 in savings and investments, compared with 35% of workers overall.

Among African-Americans, 53% expect to have access to retiree health insurance through an employer, compared to 41% overall. The survey notes that 34% of African-Americans, 24% of workers overall, and 18% of Hispanics think they have private coverage for long-term care expenses.

However, EBRI warns that as with traditional pensions, employer-provided retiree health insurance is declining and private coverage for long-term care is low.

The EBRI estimates that just 10% of Americans age 65 and over had private long-term insurance in 2002, for example.

The survey is sponsored EBRI, Mathew Greenwald & Associates, and The Rockefeller Foundation.