Vanguard report reveals massive gap between average and median 401(k) balances

Vanguard's 25th edition of the How America Saves report reveals a stark disparity in 401(k) savings among nearly 5 million workers. While the average 401(k) balance reached a record $167,970 at year-end 2025, the median balance was just $44,115 — a four-to-one gap. This highlight