Skip to content

2018 Universe Benchmarks Highlights

Highlights from the 2018 Universe Benchmarks Report.

Average plan balances hit record highs, assisted by strong market returns and increased contributions.

The average plan balance grew 14% in 2017.

$116,860

year-end 2017 average plan balance.

50%

Among workers participating for at least two years, average balances up nearly 50%.


Auto enrollment continues to drive up participation rates.

80%

average participation rate in 2017

87%

participation rate for plans with auto enrollment

63%

participation rate for plans without auto enrollment


Average savings rates increased.

7.7

Average savings rate in 2016

7.9

Average savings rate in 2017

1/4

Nearly one-quarter of all participants are enrolled in automatic contribution escalation.


Participants reaped the benefits of a strong year on Wall Street.

16%

was the average return on investments in 2017

1 in 3

participants had a rate of return of 20% or more


Target date funds are widely (mis)used.

75%

participants invested in target date funds when available

40%

of target date fund users were also invested in other funds

Related Insights


2025 Hot Topics in Retirement and Financial Wellbeing

Explore the trends shaping the future of retirement and financial wellbeing plans.

Alight Solutions 401(k) Index™: October 2024 Observations

October was a slow trading month for retirement investors, according to the Alight Solutions 401(k) IndexTM.

Alight Solutions 401(k) Index™: November Observations

November was a busy month for retirement investors, according to the Alight Solutions 401(k) IndexTM. Early in the month, there was a marked increase in trading with all six of the above-normal trading days occurring in the first nine trading days of the month.