Consumers with shopping bags f you can't work and are unable to earn a paycheck, how are all the other necessary expenses going to be paid, to say nothing of the discretionary expenses people would like to be able to pay? (Photo: Shutterstock)

Since passage of the Pension Protection Act of 2006, employers have been authorized by the Department of Labor to automatically enroll workers into 401(k) plans. This has proven to be a great way to encourage employee retirement savings and is generally seen as a favorable process for both employers and employees.

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