Retirement plan participation among eligible U.S. workers reached a record 86% last year, according to Vanguard‘s 2026 How America Saves report, which analyzed retirement savings behavior across nearly 5 million defined contribution plan participants.

The annual report found that automatic enrollment, higher default contribution rates and broader use of professionally managed investments have reshaped retirement savings over the past 25 years, contributing to higher participation rates and increased account balances.

Participation among eligible employees has increased from 65% to 86% since the report was first published a quarter century ago, reflecting the expanded use of automatic enrollment.

Nearly two-thirds of retirement plans details ⇒

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