Those surveys are misleading though. I have a relatively small amount in my 401k because I have not been in my current job for long. Every time I change jobs I

Those surveys are misleading though. I have a relatively small amount in my 401k because I have not been in my current job for long. Every time I change jobs I roll over the 401k balances into an IRA. So... unless someone's been in their job for 5+ years, their 401k balance may be very low.