"If you set the options at 8, 10, and 12 percent, there's a strong likelihood that a majority of people will enroll at 10 percent, choosing the middle option and avoiding the 'high priced' choice (i.e. 12 percent).... By choosing 10 percent, they are enrolling at a much higher percentage than the default and moving much closer (and faster) to the types of savings rate required for a successful retirement."  MORE >>