5% is a decent amount if every 401k gets on board. Who knows if that will happen or not. What's funny though is 401k companies now telling you what you can and can't do with your funds lol another reason why 401ks are dying. It's really up to each person now to work on their own finances and stop trying to rely on the government. It NEVER works out. Issue with that though is as we can see people are VERY short sighted with their finances.