As Congress explores ways of making our retirement system stronger, legislators should consider the fixes outlined below. I have ranked these suggestions from 1 to 10 (with 10 being a major impact) based upon how I feel the fix would impact participant retirement readiness:

1. Require "auto" features. Auto enrollment and auto escalation work. Employee education does not. Require all 401(k) plans to auto enroll all participants and escalate their contributions annually.

Impact score: 10. We know this works!

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