Since you took the data for federal and state and local, you end up with 22.51 million employees[1].

Out of a total number of employed people of ~160M that's 1 in 8 employees. If you're calling 1 in 8 'a small share' the we just disagree there.

As to the $400 statistic, let me just point out that this

> That leads to those who qualify for many social programs, i.e. low-income earners, to put aside a relatively small portion of their income for savings.

Is very much an opinion, not a fact.

Maybe there's also that for the low income earners there isn't any money left after paying for housing, food and such. And I'm not even talking about health insurance.

[1]: https://www.statista.com/statistics/204535/number-of-governm...