When it comes to shoring up their own retirement savings, more than a third of Americans who participate in an employer-sponsored plan have never increased their contributions to the plan.

That's according to a new survey from TIAA-CREF, which found another 26 percent haven't done so in more than a year. 

TIAA-CREF also found that more than half (53 percent) of employees whose employers offer retirement plans were not automatically enrolled in their company plan. That meant delays of six months or more for 37 percent of respondents who weren't auto-enrolled until they actually did so. Another 24 percent waited a year or more to dip their toes in. 

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