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The good news is that 80 percent of people eligible to do so are putting money into their 401(k) plans. The bad news: they aren’t putting in very much. While noting that the average balance is a “respectable” $47,000, an analysis by U.S. News & World Report adds that “half of all participants in 401(k) plans have $13,000 or less in their kitty.” Is that because people have their vast personal fortunes invested elsewhere? Alas, no.
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