EBRI’s November 2014 Issue Brief examines household ownership of a retirement account between 1992 and 2013. Based on data from the 2013 Survey of Consumer Finances by the Federal Reserve, the report documents a decline in ownership from 38.8% in 1992 to 36.2% in 2013. The survey defines an individual account plan as an employer-sponsored DC plan, such as a 401(k), a Keogh plan or an IRA.