Retirement savers continued to build momentum in early 2026, even as markets fluctuated, according to the latest quarterly analysis from Fidelity Investments.

The firm reported that total savings rates reached record levels in the first quarter.

Combined employer and employee contributions for 401(k) savers hit 14.4%, approaching Fidelity’s suggested 15% target. For 403(b) participants, the total savings rate reached 12%.

IRA activity also surged. Contributions rose 29% year-over-year, while the number of Fidelity IRA account holders making contributions increased 28%.

Although average account balances dipped slightly quarter-over-quarter amid volatility, longer-term trends remained positive.

Compared with Q1 2025, average balances rose 11% for details ⇒

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