Dew, you are leaving out the fact that many have to withdraw because they need the money and can't reinvest. Second, people die before age 85 and accounts must be liquidated. Third, college grads with big loans to pay off that are luckily enough to get a good job would have many priorities higher than retirement savings, such as paying of some of the debt and buying a house? I feel the chart in the link is valid.
News 
Market Data 
Discover 
