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What Is the 401(k) Average Deferral Rate?
Fiduciary News Link to more items from this source
June 24, 2014
"If there is no match, [one consultant] says the average deferral rate is 'somewhere around 4% with lousy overall participation. That is usually caused by 1 or 2 people putting a lot in and a whole lot of folks not participating at all.'... [T]he matching threshold remains the primary factor in determining deferral rates.... Besides the 'matching threshold,' academics have discovered that people also set deferral rates around arbitrary numbers -- normally numbers divided by 5."

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