$109k average of 401k's aint crap.
You'll need a whole lot more if you plan to stop working.

Nothings beats a federal/state pension PLUS saving in 401k/403b/457/Roth IRA/stocks/mutual funds/Social Security (what's left of it)etc.
Then you can retire making the same amount as when you were working.

The exception is the bank of inheritance or bank of mom. lol