Employee education programs can lead to positive retirement investment decisions, according to a roundup of first-quarter 401(k) savings rates from Fidelity Investments. 

The average 401(k) balance rose to $74,900 at the end of the first quarter, a record high since Fidelity began keeping records in 1998. The new balance represents an increase of almost 12% from a year ago, and a 58% jump from the same period in 2009.

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