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DC Pensions: Plan Rules, Participant Decisions, and the Path of Least Resistance
James J. Choi, David Laibson, Brigitte Madrian, and Andrew Metrick, published by Pension Research Council, The Wharton School of The University of PennsylvaniaLink to more items from this source
Mar. 5, 2002

Excerpt: Our analysis identifies a key behavioral principle that should partially guide the design of 401(k) plans: employees often follow 'the path of least resistance.' For better or for worse, plan administrators can manipulate the path of least resistance to powerfully influence the savings and investment choices of their employees. [WP2002-03]

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