Change In Average Account Balances (by Age and Tenure)

The EBRI/ICI Participant-Directed Retirement Plan Data Collection Project is the largest, most representative repository of information about individual 401(k) plan participant accounts. As of December 31, 2012, the EBRI/ICI database included statistical information about 24.0 million 401(k) plan participants, in 64,619 employer-sponsored 401(k) plans, representing $1.536 trillion in assets. The 2012 EBRI/ICI database covers 46 percent of the universe of 401(k) plan participants, more than 10 percent of
plans, and 44 percent of 401(k) plan assets.

The EBRI/ICI project is unique because it includes data provided by a wide variety of plan recordkeepers and, therefore, portrays the activity of participants in 401(k) plans of varying sizes-from very large corporations to small businesses-with a variety of investment options.

Using that database, which includes demographic, contribution, asset allocation, and loan and withdrawal activity information for millions of participants, EBRI has produced estimates of the cumulative changes in account balances - both as a result of contributions and investment returns - for several combinations of participant age and tenure.

In the first column ("Cumulative Change"), a projected cumulative percentage change in account balances since the annual update of the database is presented, based on individual rates of contribution and the investment choices in place at that point in time.

The second column ("Monthly Change") presents the monthly rate of change in average account balances for that same database.

You may access this information below, listed by release date.  For assistance on interpreting these results, please see contact Jack VanDerhei at vanderhei@ebri.org.

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Cumulative Change


Dec. 1, 2014- full universe
Nov. 1, 2014 - full universe
October 1, 2014 -- full universe
Sept. 1, 2014 - full universe
Aug. 1, 2014 - full universe
July 1, 2014 - full universe
June 1, 2014 - full universe
May 1, 2014 - full universe
April 1, 2014 - full universe
March 1, 2014 - full universe
February 1, 2014 - full universe
January 1, 2014 - full universe
December 1, 2013 - full universe
November 1, 2013 - full universe
October 1, 2013 - full universe
September 1, 2013 - full universe
August 1, 2013 - full universe
July 1, 2013 - full universe
June 1, 2013 - full universe
May 1, 2013 - full universe
April 1, 2013 - full universe (rev)
March 1, 2013 - full universe
February 1, 2013 - full universe
January 1, 2013 - full universe
December 1, 2012 - full universe (rev)
November 1, 2012 - full universe
October 1, 2012 - full universe
September 1, 2012 - full universe
August 1, 2012, full universe
July 1, 2012, full universe
June 1, 2012, full universe
May 1, 2012, full universe
April 1, 2012, full universe
March 1, 2012, full universe
February 1, 2012, full universe
January 1, 2012, full universe
December 1, 2011, full universe
November 1, 2011, full universe
October 1, 2011, full universe
September 1, 2011, full universe
August 1, 2011, full universe
July 1, 2011, full universe
June 1, 2011, full universe
May 1, 2011, full universe
April 1, 2011, full universe
March 1, 2011, full universe
February 1, 2011, full universe
January 1, 2011, full universe
December 1, 2010, full universe
November 1, 2010, full universe
October 1, 2010, full universe
September 1, 2010, full universe
August 1, 2010, full universe
July 1, 2010, full universe
June 1, 2010, full universe
April 1, 2010, full universe
March 1, 2010, full universe
January 31, 2010, full universe
December 31, 2009, full universe
November 30, 2009, full universe
October 27, 2009, full universe
October 27, 2009, full universe (results since March 9, 2009)
September 30, 2009, full universe
September 15, 2009, full universe
September 1, 2009, full universe
August 17, 2009, full universe
July 24, 2009, full universe
June 30, 2009, full universe
May 5, 2009, full universe
April 10, 2009, full universe
March 17, 2009, full universe
March 17, 2009, full universe
March 5, 2009, full universe (results since January 1, 2009)
March 2, 2009, full universe
January 20, 2009, consistent sample
January 20, 2009, full universe
January 14, 2009, full universe
January 1, 2009, full universe
November 26, 2008, consistent sample
November 26, 2008, full universe
November 21, 2008, consistent sample
November 21, 2008, full universe
November 20, 2008, consistent sample
November 20, 2008, full universe
November 14, 2008
October 1, 2008