Owning both a 401(k) plan and an individual retirement account (IRA) leads to larger balances but missed opportunities to contribute and leakage can reduce those balances when they aren’t maintained. In our latest infographic , EBRI examines the ratio of average combined 401(k) plan and IRA balances to average 401(k) plan balance by age group over time, the share of 401(k) vs. IRA holdings, and evidence of leakage over time.