Automatic enrollment in a 401(k) plan boosts retirement savings for many employees by removing barriers that make it hard to start saving. These plans enhance financial security by promoting long-term investment behavior. However, some people may feel their choices are limited or may not understand the implications of the default investment option. Participants may stick with the default contribution rate, which could be lower than what they need for retirement. Employers save on administrative costs due to increased participation, but must carefully consider plan design to avoid unintended consequences. Overall, auto-enrollment has the potential to significantly improve retirement readiness for many workers.