I???m sure the person with one 401K that has a $250K balance (for an average of $250K per 401k) would gladly trade with the person that worked at multiple employers and has 5 different 401k???s each with $150K (even though the study might show this individual with an ???average balance??? of $150K since the other 4 accounts could be in different types of accounts, at different brokerages, etc.).