Research summary

Three strategies to boost employee retirement savings

July 26, 2022

Bar chart shows how the percentage of Vanguard defined contribution plans with automatic enrollment that have increased the default contribution rate over time. The lines show a general trend toward increased contribution rates. In 2005, 73% of these plans had a default rate of 3% or less, while 27% had a default rate of 4% or more. By 2021, the percentage of plans with a default rate of 3% or less had declined to 42%, while the percentage of plans with a default rate of 4% or greater had risen to 58%.


Jeff Clark
Vanguard Information and Insights

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