"EBRI evaluated the impact of raising the default contribution rate on younger workers (with 31-40 years of simulated 401(k) eligibility) to see how many would be likely to achieve a total income real replacement rate of 80% at retirement -- within the typical range of replacement rates suggested by many financial consultants.... [M]ore than a quarter (25.6%) of those in the lowest-income quartile who had previously not been modeled to have a financially successful retirement (under the actual default contribution rates) would be successful as a result of the increase in the starting deferral rate to 6% of compensation."