More workers have money in both a 401(k)-type retirement plan and an individual retirement account than they did in 1996, according to a new EBRI study. The Employee Benefit Research Institute found that 9.2% of workers had money in an IRA and a 401(k) plan at the end of 2002, the latest data available, up from 5.9% at the end of 1996. Also, 21.7% of workers age 21 to 64 had money in a 401(k)-type plan at the end of 2002, up from 18.2% at the end of 1996, while the percentage of workers with only an IRA remained unchanged at 10%. Participants in 401(k) plans had an average balance of $33,647 at the end of 2002, up from $25,208 at the end of 1996. The average IRA balance increased to $26,951 in 2002 from $23,025.