There's a stark divide in savings among U.S. retirees. A new ZipRecruiter report found that while the median retiree or pre-retiree, ages 60 and up, has just $100,000 saved, the average tops $639,000 — a gap that reveals how uneven financial security has become. Put simply, most people don't have enough for retirement, while those at the top have far more than enough.