401(k) savers are breaking records. Here’s how to join them if you’re behind

Retirement savers are on fire — 401(k) contributions held steady at record levels from April to June, a new study found.

The average person saved 14.4 percent of their income into 401(k) accounts — 9.6 percent from employees and 4.8 percent from employers, according to financial firm Fidelity’s latest quarterly retirement analysis.