Some might call the Wall Street Journal's article on automatic enrollment "sensationalized pessimism," but if there's no such thing as bad publicity, then I'd say that putting auto-enrollment in the spotlight is a good thing.

The WSJ paints a picture of how auto-enrollment is poisoning retirement savings because people are locking in at the default rate of 3 percent, rather than the more common elective rates of 5 to 10 percent.

Even if you took that conclusion in the negative (which I don't), the question is, how many people are actually affected?

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