Retirement contributions have increased for employees with both a workplace savings plan and individual retirement accounts, according to a Fidelity analysis of nearly one million investors released today.

The findings show an average combined retirement savings balance of more than $225,000, with an average yearly contribution of more than $11,000. The analysis is based on individuals with both an IRA and 401(k) or 403(b) balances at Fidelity as of year-end 2012.

This is significant in that it shows employees are not relying solely on workplace-sponsored plans but are increasingly taking control of their personal retirement goals.

“By maximizing the long-term, tax-advantaged growth potential of both workplace savings plans and IRAs, investors can create a personalized plan to help them achieve better outcomes in retirement,” says James M. MacDonald, president, Workplace Investing, Fidelity Investments.

The analysis examined the savings rates of investors across multiple age ranges, from investors in their 20s to those over 70 years of age. What it found was that contributions gradually increased with age. For investors in their mid-20s, combined contributions averaged about $6,000. This peaks at more than $13,000 annually for investors 55 to 59 years of age.

For tax year 2013, contribution limits for 401(k) and 403(b) plans have increased $500 to $17,500. Contribution limits for IRAs have also increased $500 for a maximum contribution of $5,500. Fidelity says investors are able to save more for retirement and should take steps to ensure their total yearly contributions are increased to meet the new 2013 limits.