Capitalize 401(k) Statistics Tracker

Tracking America’s 401(k) statistics

Join us for occasional emails on fresh statistics, one-pagers, and analyses of the 401(k) landscape.

Latest Report

401(k) Access Statistics

The number of American workers with access to 401(k) accounts surged 6.4% in 2023, to end the year at 71.5 million.

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401(k) Access Statistics

According to a recent study, there were approximately 73.6 million workers with access to a 401(k) last year.

A Capitalize analysis estimates that 56.6% of U.S. workers had access to a 401(k) in 2023.

Approximately 4.3 million additional US workers gained access to a 401(k) last year, according to Capitalize.

401(k) Average & Median Balances

Capitalize research estimates that the average 401(k) balance was $90,101 in 2023.

In 2023, there was an approximate +8% growth in average 401(k) account balances compared to 2022.

The median 401(k) account balance for U.S. workers was projected to be $18,273 last year.

401(k) Average & Median Contributions

A recent Capitalize analysis estimates the average 401(k) contribution from workers was $5,993 in 2023.

According to a recent estimate, US workers contributed 8.0% of income to their 401(k) accounts on average.

Left Behind & Forgotten 401(k)s

Capitalize projects approximately $1.65 trillion are in assets in left behind or forgotten 401(k) accounts.

Press

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Business Insider

Meet 11 startups investors and analysts are calling the new generation of wealth-tech

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401k Specialist

401k Advice a Key Part of ‘Offboarding’ Process

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