U.S. Retirement Assets Hit $45.8 Trillion — Why Smarter Plan Design Is Now a Strategic Imperative

America’s retirement savings are growing — but so are the challenges of managing them effectively. According to new data from the Investment Company Institute (ICI), total U.S. retirement assets reached $45.8 trillion in Q2 2025, marking a 6% increase from the previous quarter. Of that total, defined contribution (DC) plans represent roughly $13 trillion, with 401(k)s comprising the lion’s share.

These figures underscore a major truth: employer-sponsored plans are now the cornerstone of retirement security in the U.S. Yet despite this growth, too many organizations are struggling to design plans that actually align with their employees’ long-term financial goals. Contribution limits, administrative complexity, and lack of engagement tools often prevent even well-intentioned plans from delivering their full value.

At RetireBetter, we help employers close that gap — by creating retirement programs built for today’s workforce and tomorrow’s expectations.

Our solutions span every organizational need:

• 401(k) Plan – A best-in-class experience supported by a dedicated service team that tailors every detail — from plan structure to employee education — to the client’s business model.
• 403(b) Plan – Designed for non-profit and educational institutions, this plan delivers the same level of sophistication and flexibility as top corporate programs, with a focus on affordability and compliance.
• Cash Balance Plan – Ideal for business owners and professionals seeking higher contribution limits and greater tax efficiency, this hybrid plan combines predictable benefits with modern flexibility.

Every RetireBetter solution is built on one clear mission: to make retirement plans work better — for organizations, sponsors, and employees alike.

As assets soar and the retirement landscape evolves, plan design can no longer be a back-office decision. It’s a strategic one — and it determines whether your employees retire with confidence or concern.

RetireBetter helps you build plans that do more than check boxes — they deliver measurable outcomes.

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