A majority of employers offer automatic enrollment and escalation features in 401(k) plans to help workers increase their savings and retirement readiness, but some employers still choose not to. Understanding why employers opt not to can help benefit advisers work with clients to choose appropriate plans and, in some cases, even automatic features that address client concerns.

Almost two-thirds (64%) of employers surveyed by Aon Hewitt in December 2014 cited the cost of employer match as a reason they do not automatically enroll newly eligible employees in their 401(k) plan, while 36% cited concern about employee reaction to payroll deductions.

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