According to the Economic Policy Institute (EPI), retirement inequality is growing.
"The rich have gotten richer and the poor have gotten poorer," the EPI said in a 2016 report, "The State of American Retirement."
"Participation in retirement savings plans is highly unequal across income groups," it said. "In 2013, nearly nine in 10 families in the top income fifth had retirement account savings, compared with fewer than one in 10 families in the bottom income fifth."
Just how big is the gap between the retirement "haves" and "have-nots?"
As the chart below shows, the median working-age family had only $5,000 saved in 2013. Meanwhile, the 80th percentile family had $116,000 saved, and the 90th percentile family had $274,000.