This paper provides an annual update of a longitudinal analysis of 401(k) plan participants drawn from the EBRI/ICI 401(k) database—the largest participant-level database of its kind, with about 26.1 million 401(k) participants at year-end 2015. Because the annual cross sections cover participants with a wide range of participation experience in 401(k) plans, meaningful analysis of the potential for 401(k) participants to accumulate retirement assets must examine the 401(k) plan accounts of participants who maintained accounts over all of the years being studied (consistent participants). This paper focuses on consistent participants for the 2010–2015 period. >> Download PDF