Fidelity: savers in same 401(k) five straight years average $304,200
Key points
- Savers who stayed in the same employer's 401(k) for five straight years averaged $304,200, versus $146,400 for all savers
- More than 5.5 million continuous savers; their average balances rose 16% from end-2024
- Data is from Q4 2025, covering 24.8 million participants across 26,200 corporate plans; both figures are averages
Fidelity data show savers who stayed in the same employer's 401(k) for five straight years averaged $304,200 at end-2025, versus $146,400 across all savers, a $157,800 gap. More than 5.5 million continuous savers saw balances rise 16% from end-2024. The overall figure covers 24.8 million participants across 26,200 corporate plans. Both figures are averages.
Original report: 24/7 Wall St. ↗Edited with AI assistance. Facts are based on official sources and original reports. For information only; not legal, immigration or insurance advice.