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The Impact of Employer Defaults and Match Rates on Retirement Saving
David Blanchett, Michael S. Finke, and Zhikun Liu via SSRN 
Dec. 27, 2021 "Plans with low default rates that match a high percentage of employee earnings induce higher-income participants to actively move away from the low default savings rate, resulting in a wider savings gap between higher- and lower-income employees. When default savings rates are set higher, fewer employees move away from the default resulting in higher and more equal savings rates.... [H]igher default savings rates increase usage of plan default investments." |
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