大美的54% to 59%的家庭有401K， 5%的家庭401K里面钱到1米

Approximately 54% to 59% of U.S. households have retirement accounts (including 401(k)s and IRAs), but the number specifically for retirees is lower, with around 20% of Americans 50+ having no retirement savings. For those aged 65–74, the median household savings is roughly $200,000, with under 5% reaching $1 million.