Benzinga and Yahoo Finance LLC may earn commission or revenue on some items through the links below. The median American worker has just $955 saved for retirement, according to a report issued by the National Institute on Retirement Security. That figure includes roughly 56 million workers who have no access to an employer-sponsored retirement plan. Even among workers who do have retirement accounts, the median balance is about$40,000, far below the roughly $1.5 million many Americans say they need to r ...