At least in the states with the 401k, everywhere i have worked it has been an opt-in system so you had to convince people to do the minimum paperwork to get get

At least in the states with the 401k, everywhere i have worked it has been an opt-in system so you had to convince people to do the minimum paperwork to get get "Free money" and think of the future. Only recently have a I started hearing that there can be the opposite and 401k can be opt-out (some law change perhaps?). This was also shown with Organ donation http://www.medicalnewstoday.com/articles/282905.php http://www.medicalnewstoday.com/articles/282905.php how much better opt-out could be. I am only guessing, but the percentage of people that are in the system even after those that opt-out is probably way higher than here where most has to opt-in. My sad example would be my 24 year old self didn't bother to bring the fully filled out 401k form upstairs to get the free money even though he vaguely understood it was the right thing to do. It was all set to go, I just had to carry the paperwork, but I didn't. Took a job change and another opportunity before I figured it out. In startup land this is the difference between a 1 step funnel and a zero step funnel. Which would your company like to have?