. . . "At the moment, 47.2% of plans now have an automatic enrollment feature and employees who participate in plans with automatic enrollment generally begin contributing at 3% of pay.Ron Gebhardtsbauer, a professor at Pennsylvania State University, said enrolling workers at just 3% of pay is a disservice to employees, especially if they get stuck at the very-inadequate 3% of pay, and don???t even get t" .