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The Impact of Employer Matching on Savings Plan Participation under Automatic Enrollment
National Bureau of Economic Research [NBER] 
Aug. 27, 2007
Excerpt: This paper's results suggest that the match has only a modest impact on opt-out rates. We estimate that moving from a typical matching structure - a match of 50% up to 6% of pay contributed - to no match would reduce participation under automatic enrollment at six months after plan eligibility by 5 to 11 percentage points. Our analysis includes a firm that switched from a match to a non-contingent employer contribution.
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