Assuming the money going into a 401k actually grows. Things passed through Congress about 401(k)s, IRAs, all these 'retirement' instruments... these were written by those who would most benefit from them; the companies that manage the funds. Since humans are penalized for taking funds out before a certain time, money management/investment companies were able to secure long term availability of funds as well as steady inflow of capital to work with. This is not concern about humans, it is concern by corporate rulers of the lost income from seventeen million Americans not putting $1600 a year into corporate management.

The real number is what percent of $27 billion additional per year into management and the fees, commissions and bonuses. That is what the people who sponsored this commercial/article are interested in.