If you have a 401(k) through work, there's a chance your employer offers a Roth 401(k) option — and it's becoming more common. According to Vanguard, 86% of their 401(k) plans included a Roth feature at the end of 2024. That's up from 74% just four years earlier. Among larger plans, the feature is even more widespread, with 95% offering it.
Yet despite this availability, fewer than 1 in 5 participants in these plans actually choose to contribute to a Roth 401(k). Finance expert and author Suze Orman said "this is nuts" in a recent blog post, highlighting what she sees as a missed opportunity for many workers.
