Bridging the 401(k) knowledge gap
Why professional guidance matters
85million +
U.S. workers have employer-sponsored retirement plans.¹ Many retirement savers hold a large portion of their assets in these accounts, making 401(k)s pivotal for long-term financial security.²
Retirement savers believe their 401(k)s are paramount to achieving a stable financial future.³
There’s a lack of financial literacy that undermines savers’ ability to obtain a secure retirement.
While 6 in 10 retirement savers believe they’re financially literate, only 15% can accurately answer basic information about their 401(k)s.⁴
Additionally, almost 60% say they’re overwhelmed by plan information and question their decisions when making allocation changes.
Selecting investment options is especially burdensome, with 87% of Americans citing at least one challenge.
Peace of mind with professional advice
Professional guidance can help bridge the financial literacy gap and provide retirement savers with peace of mind.
Participants report fewer challenges with their 401(k) accounts when they have an advisor.⁷
+4%
Professionally managed accounts can perform more than 4% better annually, net of fees, than self-directed accounts.⁸
Unlock your wealth potential
Pontera helps savers receive professional guidance on their retirement account from their trusted financial advisor.
1
Your financial advisor invites you to Pontera.
2
You securely connect your retirement accounts to Pontera.
3
Your advisor manages your 401(k) according to your financial goals.
¹A Visual Depiction of the Shift from Defined Benefit (DB) to Defined Contribution (DC) Pension Plans in the Private Sector, Congressional Research Service, 2021
²Survey of Consumer Finances, 1989 - 2022, Federal Reserve, 2023
³401(k) Literacy Survey, Pontera, 2024
⁴Ibid.
⁵Ibid.
⁶Ibid.
⁷Ibid.
⁸Value of an advisor, Russell Investments, 2025