A bar graph shows default contribution rates in Vanguard defined contribution plans with automatic enrollment from 2005 to 2023. The percentage of plans with a default contribution rate of 3% or less stood at 73% in 2005, peaked at 76% in 2007, and has decreased every year since, with 40% of plans defaulting at 3% or less in 2023. Conversely, the percentage of plans with a default contribution rate of 4% or more has risen every year, with the exception of a brief decline in 2006 and 2007. 27% of plans defaulted at 4% or more in 2005, dropping to 25% in 2006 and 24% in 2007 before beginning a steady ascent, year after year, to 60% in 2023.