401(k) Contribution Rate By Age

Combined Employee and Employer Contribution Rates, Based on Vanguard Accounts

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"Savers" includes only employees actively contributing to their 401(k). "All Employees" includes eligible non-participants, which lowers the average—particularly among younger and lower-income workers.

Chart: Investopedia/Peter GrattonSource: Vanguard, "How America Saves 2025"