Retirement Savings Plans

How Much Is Saved in 401(k)s

Type: Publication

Increasingly, retirement savings plans have become the way American workers accumulate the money they will need to supplement their Social Security payments in retirement. The most common retirement savings plan is the 401(k). 401(k)s are offered by employers, but it is typically up to the employee to decide whether to participate and how much to contribute. Many employers also contribute, but are usually not required to do so.

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Companies That Have Changed or Temporarily Suspended Their 401(k) Matching Contributions

Type: Publication

Below is a list of employers that have announced plans to reduce or suspend matching contributions to their employees' 401(k) and other defined contribution plan accounts since June 2008. For details on each company's decision, click the employer's name to see the company's press release or news story announcing the change.

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A New Type of Savings Plan: The Roth 401(k)

Type: Publication

What is the Roth 401(k)?

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A Look at 401(k) Plan Fees

Type: Publication

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Mutual Fund Fees and Expenses

Type: Publication

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Looking for help with your retirement plan?

If you have a problem with your retirement plan, free help may be available from the U.S. Administration on Aging's network of Pension Counseling and Information Projects. Find help now.

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What's your story?

We're hearing from people around the country who are worried about cuts to their pensions. These are their stories.

PensionHelp America connects people who need help with their pension, 401(k), and other retirement plans with the pension counseling projects, legal services providers, and government agencies that can help answer their questions. Visit www.pensionhelp.org.

From Our Blog

NIRS Report Says U.S. Gets Overwhelming Economic Benefit from Pension Payments

Payments from traditional pension plans generated a staggering $1.3 trillion in U.S. economic output in 2018, according to a report recently released by the National Institute on Retirement Security (NIRS).

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Roadmap to retirement

Let our roadmap to helpful information about retirement plans for private-sector workers put you on the path toward a secure retirement. Get started.

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In the News

Jazz Musicians Paul Livant and Andy Snitzer Contribute “Service Award” to Pension Rights Center

Andy Snitzer and Paul Livant, the named plaintiffs in a class action lawsuit against the trustees of the American Federation of Musicians and Employers Pension Fund (AFM-EPF), received a service award of $10,000 each when that case settled. Rather than keep their awards, which compensated them for their time and the risks they took on, they decided to donate the full amount of their award More...

Did You Know?

NAFI Retirement Plans are retirement plans sponsored by government entities known as Non-Appropriated Fund Instrumentalities (NAFIs). NAFIs are part of the federal government but they do not receive funding from Congress. Instead, NAFIs fund themselves with revenue they earn through the services and products that they provide. Because NAFI employees are not eligible to participate in the retirement plans available to most civilian federal government employees, NAFIs sponsor their own plans. Learn more.