Core Insights - The report titled "The Retirement Divide" highlights significant disparities in retirement savings among American workers, emphasizing that those earning between $150,000 to $250,000 contribute nearly 13 times more towards retirement annually compared to those earning under $50,000 [1][2]. Summary by Categories Retirement Savings Trends - The research covers retirement savings rates, contributions from employees and employers, participation in retirement plans, and loan usage among full-time U.S. workers from 2021 to 2024 [2]. - High earners have seen increases in participation rates, total contributions, and overall savings rates since 2022, while lower-income workers have experienced declines, particularly those earning less than $50,000 [6]. Gender Disparities - The gap in retirement plan participation between men and women has widened to 3.9 percentage points, with participation rates at 79.9% for men and 76% for women since 2021 [6]. Racial and Ethnic Disparities - In 2024, 84.6% of white workers participated in retirement plans, compared to 61.1% of Latino workers and 68.2% of Black workers. Additionally, 26.4% of Black and Latino participants had active loans from their accounts, versus 14.9% of white participants [6]. Generational Insights - Gen Z workers have made notable progress in retirement savings, with participation rates increasing from 64% to 68.7%, savings rates improving from 6.6% to 7.2%, and total contributions rising by 24% since 2022 [6].