San Francisco and San Jose — home to some of the nation's leading tech success stories — have the highest average total savings rate in their workplace retirement accounts, according to analysis by Fidelity Investments.

The firm's study of 13 million 401(k) investors across metropolitan regions revealed which cities and its citizens are saving the most — or least — and which are more likely to have an outstanding 401(k) loan.

The typical worker in San Francisco and San Jose puts about 14.6 percent of their annual salary — including both employee and employer contributions— in 401(k)s,  the survey found.

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