How many Americans have a 401k, retirement accounts, or pension funds? I'm having trouble finding concrete numbers, but it seems to be around 40-60% averaging t

How many Americans have a 401k, retirement accounts, or pension funds? I'm having trouble finding concrete numbers, but it seems to be around 40-60% averaging the sources I came across. In addition, most people reading Hacker News probably work at large public tech companies and own stock in them, so this news is relevant to them.