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Considering Financial Inertia Among Low-Income Individuals: Set 401(k) Defaults Carefully (PDF)
Retirement Made Simpler 
Feb. 22, 2013
"[A]utomatic enrollment dramatically increases employee participation in retirement savings plans. Employees are very likely to accept the default contribution rate and asset allocation. Therefore, the chooser of the default is often able to determine the savings outcomes for a large number of employees.... [The authors] present evidence that 401(k) defaults are particularly influential for low-income individuals in general, using data from three employer-sponsored defined contribution retirement savings plans."
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