The $23,000 Limit, the $4,945 Reality: How the Average Worker Leaves $19,555 on the Table Every Year

The IRS lets a worker under 50 stash $24,500 in a 401(k) this year, up from the $23,500 ceiling in 2025 and the $23,000 limit that framed the prior year. The average worker deferred roughly $4,945, which is a gap of about $18,055 relative to the older $23,000 benchmark and closer to $19,555 relative to ... The $23,000 Limit, the $4,945 Reality: How the Average Worker Leaves $19,555 on the Table Every Year