Fidelity Investments recently reported that the average 401(k) account balance it managed reached a 10-year high of $71,500 at the end of 2010, and for those who had consistently contributed to their plan, $183,100.

Those figures are hardly cause for celebration, since the standard retirement calculator calls for Baby Boomers between the ages of 54 and 65 to have 14.6 times their final salary to be able to live decently in retirement.

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