Average has little meaning when the individual members of the sum have a wide disparity. Take the case of 11 families. One has a billion dollars net worth; the other 10 have $10,000 net worth each. The average of the 11 would be close to $91 million dollars. Sounds impressive, but the majority have only 10k. Average means little.
While in Thailand I stated helping Expats with their paperwork for retirement visas, I was amazed hope many only had a small pension, one American got less than $1K a month in SS. Too many people do not plan for retirement believing Uncle will take care of them.