"Are there those who once might have filled out an enrollment form and opted for a higher rate of deferral (say to the full level of match) that now take the 'easy' way and allow themselves to be automatically enrolled at the lower rate adopted for most automatic enrollment plans? Absolutely. However, as the EBRI data show -- and, for anyone paying attention, have shown for years now -- the folks most likely to be disadvantaged by that lack of action are higher-income workers."

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