They've done that in the research, it's just a clickbait headline with very, very light details. After following a few clicks I found the PDF [1] in which they break it apart by many groups and factors (age, race, savings plan, income, student loan debt, all sorts of stuff) and that $955 figure falls under the "workers who do not have $1 in a DC" (meaning workers with no access to a savings plan). For those with access, the number is $40,000 average.
[1] https://www.nirsonline.org/wp-content/uploads/2026/02/NIRS_2026-Retirement-in-America-FINAL.pdf
Why, you're welcome for the link to the PDF! I'm glad you enjoyed reading it and appreciate your insightful and loquacious feedback on the matter at hand. You are a true gem of the lemmyverse, evenglow.