Lance Roberts(@LanceRoberts):Yes, because the market has risen. However, here is the data you should be paying attention to: - Fidelity manages 28.5 million 401k accounts. - If we round up to 800k, that is 3% of all accounts they manage. - Mean (Average) Balance: “The average 401(k) balance rose by 10.5% to $155,800. - The median across all individual participants is between $32,800 to $34,400, illustrating that high balances pull the overall mathematical average upward. So, yes, the number of 401k "Millionaires" has certainly scaled higher, but for the average household, they are not contributing and saving effectively to fund retirement goals.

Lance Roberts

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Lance Roberts@LanceRoberts

2026.09.04 12:18

Yes, because the market has risen. However, here is the data you should be paying attention to: - Fidelity manages 28.5 million 401k accounts. - If we round up to 800k, that is 3% of all accounts they manage. - Mean (Average) Balance: “The average 401(k) balance rose by 10.5% to $155,800. - The median across all individual participants is between $32,800 to $34,400, illustrating that high balances pull the overall mathematical average upward. So, yes, the number of 401k "Millionaires" has certainly scaled higher, but for the average household, they are not contributing and saving effectively to fund retirement goals.