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BTCC / BTCC Square / Global Cryptocurrency /
401(k) Balances Reach Record High Amid Rising Hardship Withdrawals in 2025

401(k) Balances Reach Record High Amid Rising Hardship Withdrawals in 2025

Author:
Global Cryptocurrency
Published:
2026-03-04 21:29:01
5
2
BTCCSquare news:

The average Vanguard 401(k) balance surged to a historic $167,970 by the end of 2025, fueled by robust stock market performance and the widespread adoption of automated savings plans. The S&P 500 delivered a 16% return, while bonds ROSE 7%, rewarding long-term investors.

Beneath the surface, financial strain persisted. A record 6% of Vanguard participants took hardship withdrawals—triple the pre-pandemic rate—as layoffs spiked and credit card delinquencies hit a 13-year high. Automatic enrollment in retirement plans reached 79% among large employers, quietly bolstering savings rates even as economic headwinds grew.

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