Thinking of actions to take, here are a few questions that could be asked as an initial guidepost:
1) Are you eligible to contribute to a 401(k) plan? Are you maximizing your company match?
2) How have you allocated those contributions? Is that allocation suitable to your retirement horizon, risk profile, and other factors, that only you can decide would likely impact that decision?
3) Do you understand the fees being charged on your investments, and do you know whether they are competitive?
Regardless of your age, these questions are important to consider in any retirement planning initiative – regardless of whether any action is taken.