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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


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Trading activity in retirement plans was light during the third quarter of 2025, according to the Alight Solutions 401(k) IndexTM. As stocks climbed to record highs, most participants chose to stay the course and watch their balances grow.

Alight Solutions 401(k) IndexTM: September 2025 Observations

Trading activity in retirement accounts picked up in September, according to the Alight Solutions 401(k) Index™. Many investors chose to move their money out of stocks into fixed income funds, showing a clear preference for safer options as the stock market was posting record highs

Alight Solutions 401(k) IndexTM: August 2025 Observations

August was a quiet trading month for retirement plan investors, according to the Alight Solutions 401(k) Index™. Trading activity remained low, with zero above-normal trading days.