But if employers actually enroll their employees automatically in the plan, telling them that they can drop out at any time simply by notifying the employer, a large majority of employees will just accept the plan. Moreover, it appears that whatever contribution rate the employer chooses tends to be accepted passively by the employee, as does whatever investment allocation (between stocks and bonds, for example) is established.
但是如果雇主实际上自动把雇员吸纳进计划之中，告诉他们说他们只要通知雇主就可以随时退出，那么雇员的大多数就将会接受这一计划。而且，无论雇主选择多少交纳数额，好像雇员会消极地接受，这就像接受确立的投资分配一样(比如股票和债券)。