More Americans than ever made a major 401(k) retirement blunder in 2025 — it could cost thousands. Avoid their mistake

What: More Americans than ever made a major 401(k) retirement blunder in 2025, with **72%** of workers failing to optimize their accounts.
Why: This mistake could cost thousands of dollars in retirement savings, with the average loss estimated at **$43,000**.
Signal: Experts warn that this trend is a red flag for the financial health of American workers.
Target: Financial advisors recommend that workers aim to contribute at least **15%** of their income to their 401(k) accounts.
Risk: Failing to optimize 401(k) accounts can lead to a significant reduction in retirement income, increasing the risk of financial insecurity in old age.