Everything about what you deduced from wherever about 401k's is either a misstatement or mostly wrong. What you're trying to do is make some sort of case that nobody can possibly have 7 or more figures in theirs. When I retured from Northrop-Grumman my boss had over $20million in his. He showed me because up until that point I really never knew many of the ins & outs of mine or my wife's. He's the one who advised me not to touch it until at least age 59-1/2 because of the 10% penalty involved.

Not a good thread when you don't know all the facts.