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Reference Point 2025

Real data and actionable insights—to help you deliver better outcomes

April 2025

The insights in Reference point can help plan sponsors, retirement professionals, and providers across the retirement industry determine next steps to help improve participant outcomes.

What were the major trends that emerged for retirement plans in 2024—and what do those trends mean for 2025 and beyond?

Take a deeper dive into our participant research to compare trends, challenges, or opportunities in your plan with data from all plans.

Get the full report

Our annual Reference Point report breaks down data from the previous year to:

  • Provide benchmarking for plans
  • Analyze key trends
  • Share commentary from T. Rowe Price experts

Executive Summary

See what our retirement thought leaders are monitoring in our key insights executive summary

Download Key Insights

Retirement Insights

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For more information, please visit troweprice.com/referencepoint or contact your T. Rowe Price representative.

T. Rowe Price is the source for all data unless otherwise indicated.

This material is provided for general and educational purposes only and is not intended to provide legal, tax, or investment advice. This material does not provide recommendations concerning investments, investment strategies, or account types; it is not individualized to the needs of any specific investor and is not intended to suggest that any particular investment action is appropriate for you.

The S&P Indices are a product of S&P Dow Jones Indices LLC, a division of S&P Global, or its affiliates (“SPDJI”) and have been licensed for use by T. Rowe Price. Standard & Poor’s® and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC, a division of S&P Global (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”). T. Rowe Price Target Date is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P Indices.

© 2025 T. Rowe Price. All Rights Reserved. T. ROWE PRICE, INVEST WITH CONFIDENCE, and the Bighorn Sheep design are, collectively and/or apart, trademarks or registered trademarks of T. Rowe Price Group, Inc. RETIRE WITH CONFIDENCE is a trademark of T. Rowe Price Group, Inc.

T. Rowe Price Retirement Plan Services, Inc.

T. Rowe Price Investment Services, Inc.

T. Rowe Price Associates, Inc.

202502-4255656

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T. Rowe Price (“TRP”) claims compliance with the Global Investment Performance Standards (GIPS®).

A complete list and description of the Firm's composites and/or a presentation that adheres to the GIPS® standards are available upon request. Additional information regarding the firm's policies and procedures for calculating and reporting performance results is available upon request. 

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