Only 26 percent of Roth IRA holders contributed to their accounts in 2011, compared with just 6 percent of traditional IRA owners.

New data from the nonpartisan Employee Benefit Research Institute found that most contributions are made into a Roth IRA, while most of the assets are held in traditional IRAs that originated from a 401(k) plan rollover.

The median balance in a traditional IRA originating from a rollover was $110,918. Roth owners had lower average and median balances at $25,228 and $11,344. In EBRI's IRA Database, nearly 13 times the amount of money was added to IRAs through rollovers than from new contributions.

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