Last year was one of records and firsts for participants in 401(k) plans administered by T. Rowe Price. The firm's 10th annual Reference Point benchmarking report looks at the plan design features of 636 large 401(k) and 457 plans and the savings habits of 1.6 million participants. All told, the recordkeeping arm of the Baltimore-based money manager serves 1.9 million participants in more than 3,500 defined contribution plans. Proponents of the defined contribution model will find plenty of grist in this year's report. Plan design informed by new analytic tools, along with financial wellness programs, are driving impressive results, said Aimee DeCamillo, head of T. Rowe Price Retirement Plan Services, in a statement. While strides in plan design and education efforts have clearly been made, there is room for improvement. Another T. Rowe Price survey showed only 40 percent of participants said they have made significant progress toward their retirement savings goals, and nearly one in five reported little to no progress. Here are 10 highlights from T. Rowe's report.