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Steps the 401(k) Fiduciary Can Take to Avoid Poor Plan Design
Fiduciary News; registration may be required 
Oct. 2, 2014
"Automatic enrollment takes advantage of the 'no action' inertia common among employees. By requiring savers to actively 'opt out' of contributing to the plan, we've seen participation rates nearing 100%.... Sponsors can design plans with a wide assortment of automated alternatives beyond enrollment ... one of the most 'popular' features in the early years of the 401k era -- that of picking from an almost unlimited bounty of mutual fund investment options -- produced the biggest obstacle towards retirement savings."
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