MRA Insights
Current U.S. figures on retirement assets, workplace-plan access, household savings, and 2026 contribution limits.
At A Glance
Retirement readiness is personal, but the national figures provide useful context. These statistics bring together current data from government and industry sources, with the source and publication date shown beside every figure.
Explore RetirementBuilderThe Retirement Market
$47.6T
Across IRAs, workplace plans, pensions, annuities, and federal retirement programs as of March 31, 2026.
Source: Investment Company Institute, Quarterly Retirement Market Data, First Quarter 2026 Published June 18, 202634%
Retirement assets accounted for roughly one-third of all U.S. household financial assets at the end of the first quarter of 2026.
Source: Investment Company Institute, Quarterly Retirement Market Data, First Quarter 2026 Published June 18, 2026$18.2T
Individual retirement accounts represented the largest retirement-market category at the end of the first quarter of 2026.
Source: Investment Company Institute, Quarterly Retirement Market Data, First Quarter 2026 Published June 18, 2026$13.8T
This includes 401(k)s, 403(b)s, and other employer-based defined contribution plans as of March 31, 2026.
Source: Investment Company Institute, Quarterly Retirement Market Data, First Quarter 2026 Published June 18, 2026Workplace Coverage
72%
The share with access to an employer retirement benefit in March 2025.
Source: U.S. Bureau of Labor Statistics, Employee Benefits in the United States, March 2025 Published September 25, 202553%
The share participating in an available employer retirement benefit in March 2025.
Source: U.S. Bureau of Labor Statistics, Employee Benefits in the United States, March 2025 Published September 25, 202559%
Compared with 90% at employers with 500 or more workers in March 2025.
Source: U.S. Bureau of Labor Statistics, Employee Benefits in the United States, March 2025 Published September 25, 2025Household Savings
35%
The Federal Reserve’s 2025 household survey found that this share was unchanged from the prior year.
Source: Federal Reserve, Economic Well-Being of U.S. Households in 2025 Published May 13, 2026$86,900
Among U.S. families that held retirement accounts in the 2022 Survey of Consumer Finances.
Source: Federal Reserve, Changes in U.S. Family Finances from 2019 to 2022 Published October 18, 20232026 Contribution Limits
$24,500
The basic annual limit for 401(k), 403(b), and similar plans, subject to plan rules and compensation limits.
Source: Internal Revenue Service, 2026 retirement plan and IRA contribution limits Published November 13, 2025$7,500
The combined annual limit for traditional and Roth IRAs, or taxable compensation if lower.
Source: Internal Revenue Service, 2026 retirement plan and IRA contribution limits Published November 13, 2025$8,000
Available to participants age 50 or older when their plan permits catch-up contributions.
Source: Internal Revenue Service, 2026 retirement plan and IRA contribution limits Published November 13, 2025$11,250
A higher workplace-plan catch-up limit can apply to eligible participants in this age range.
Source: Internal Revenue Service, 2026 retirement plan and IRA contribution limits Published November 13, 2025Contribution limits are federal maximums. Eligibility, plan rules, income, taxes, and the rest of a household’s financial picture still matter when deciding what to save.
Sources & Method
Every figure on this page is linked to its published source. Figures are presented for the period named beside each statistic; they are broad benchmarks, not a measure of any one person’s retirement readiness.
Cite This Page
MRA Advisory Group. Updated July 23, 2026. https://mraadvisory.com/retirement-statistics
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