Small, automatic steps that add up.
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When saving is the default, far more workers save.
The same idea works at home: set it up once, and let payday do the saving.
Eligible workers saving in their employer's retirement plan, by how the plan enrolls them, 2025 (estimated)
- Signed up automatically, free to opt out94%
- Had to sign up on their own64%
Plans that Vanguard keeps records for, counting every eligible worker.
Source: Vanguard, How America Saves 2026 (June 2026, PDF)