> That’s 25% of the average annual salary in the United States
It's about 25% of the median annual full-time salary (but only ~70-75% of those employed in any given year are employed full-time for the whole year.)
More to the point, since salary doesn't tell you what people have lying around for emergencies, its more than double the median household total savings.
Even more to the point, population medians or avergaes for things like salary are not really applicable to subsets of the population like “retirees”.