Fintech provider IRALOGIX debuted its Retirement Readiness Index (IRRI) on Tuesday, a national benchmark designed to track workers’ retirement readiness over the course of their careers.
The index builds upon a new Q1 2025 evaluation by IRALOGIX, in which the firm measured workers’ retirement readiness across five areas, including Savings and Investments, Healthcare Readiness, Lifestyle and Spending, Emotional Well-being, and Economic and Policy Confidence. The firm issued a national Retirement Readiness Score of 45.8 out of 100, otherwise known to IRALOGIX as a “Moderate Risk” score of below 50.
This score indicates that pre-retirees could be leading ambiguous futures filled with inadequate retirement plan savings, healthcare coverage, or financial confidence to last throughout retirement.
“This score is a wakeup call for America’s households, employers, and policymakers,” said Peter J. de Silva, CEO of IRALOGIX, in a statement. “It’s not just a number, it’s a mirror held up to the financial anxieties, gaps in planning, and uncertainty that millions of Americans face as they approach one of life’s most important milestones: retirement. Our data shows that too few are prepared for both the financial and personal impact of aging-related issues, and are struggling with saving enough, planning for healthcare, and trusting that essential benefits like Social Security will be there when they need them. We believe the path to retirement readiness begins with awareness, and the IRRI is a step towards securing a more stable future for everyone.”
Americans fell behind on scores for Healthcare Readiness, Savings and Investments, and Lifestyle and Spending, at 42.1%, 43.2%, and 46.5% of potential achieved for each category, respectively. Healthcare readiness saw the lowest scores—out of a possible 15 points that could contribute towards the national score, Americans only reached 6.3 points, reported IRALOGIX.
Comparatively, Savings and Investments had a maximum score of 35 points available, yet respondents only realized 15.1 points. Out of 15 points for Lifestyle and Spending, respondents gathered 6.97 points.
Americans scored relatively well on Economic and Policy Confidence, at 50.8% of potential achieved or 10.2 out of 20 points, and Emotional Well-being, at 48.3% of potential achieved or 7.25 out of 15 points.
IRALOGIX’s survey was conducted in late March 2025 on behalf of the firm. Respondents were 62.67% male and 37.33% female, drawn from a national sample of pre-retirees, the firm stated.
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Amanda Umpierrez is the Managing Editor of 401(k) Specialist magazine. She is a financial services reporter with nearly a decade of experience and a passion for telling stories and reporting news. She is originally from Queens, New York, but now resides in Denver, Colorado.