Determining if individuals or families are prepared for retirement or will have adequate income in retirement has received much attention by analysts and policymakers, including studies from the Employee Benefit Research Institute (EBRI) using its Retirement Security Projection Model® (RSPM).1 An important component in determining an individual or family’s ability to maintain a consistent level of spending throughout retirement is whether they have access to retirement plans through employment. This study examines the level of assets held by families in individual account (IA) retirement plans (employment-based defined contribution (DC) plans and individual retirement accounts (IRAs)) relative to all of their financial assets. This study also shows the importance of home equity held by families. >> Download PDF