Debt-to-asset ratios tend to look similar for younger U.S.households whether or not the households have any retirement plan assets.

For older households, lack of retirement plan assets correlateswith terrible debt-to-asset ratios.

Craig Copeland, an analyst at the Washington-based EmployeeBenefit Retirement Institute, has published data on U.S.households' debt-to-asset ratios in a new report on the correlationbetween households retirement savings and their debt loads.

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Allison Bell

Allison Bell, a senior reporter at ThinkAdvisor and BenefitsPRO, previously was an associate editor at National Underwriter Life & Health. She has a bachelor's degree in economics from Washington University in St. Louis and a master's degree in journalism from the Medill School of Journalism at Northwestern University. She can be reached through X at @Think_Allison.