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A new report by the Employee Benefit Research Institute found that average IRA account balances are one-third higher when all of an individual’s IRA accounts are figured into the equation.

“Individual Retirement Account Balances, Contributions, and Rollovers, 2010” looked at 2010 data for more than 11 million individuals in the EBRI IRA Database, looking at the distribution of IRA owners by IRA types, account balances, rollovers, and contributions to IRAs. What makes the report unique is that EBRI can link different account balances to individuals, providing a more complete retirement picture.

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