In 2010 there were 362,757 401(k) plans with more than zero dollars in reported assets. All told, they added up to around $2.8 trillion.

But how do you slice up that market? And which end do you try to eat?

There are the outliers. More than 7,000 401(k)s held more than $30 million in assets. On the opposite end of the scale, the same number held less than $15,000. I don't care how many participants you have, $15,000 is not a good amount to have saved for retirement.

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