# Average and Median 401(k) Balance by Age (FinExplained data study)
# Figures: Vanguard, How America Saves 2026 (year-end 2025 data), participant accounts in Vanguard-administered defined contribution plans (https://workplace.vanguard.com/). Provider data, not nationally representative; 401(k)-only, excluding IRAs, pensions, and Social Security.
# License: CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/) for this compilation. Attribution: FinExplained, https://finexplained.com/
# Figures are educational benchmarks, not financial advice. The gap column is average minus median, derived by FinExplained.
age_group,average_401k_balance_usd,median_401k_balance_usd,average_minus_median_gap_usd,data_year,source
"Under 25",7259,2234,5025,2025,"Vanguard How America Saves 2026"
"25 to 34",50261,18732,31529,2025,"Vanguard How America Saves 2026"
"35 to 44",120742,46919,73823,2025,"Vanguard How America Saves 2026"
"45 to 54",214991,78730,136261,2025,"Vanguard How America Saves 2026"
"55 to 64",305006,107269,197737,2025,"Vanguard How America Saves 2026"
"65 and older",330186,103202,226984,2025,"Vanguard How America Saves 2026"
"All participants",167970,44115,123855,2025,"Vanguard How America Saves 2026"