These passive savers are the same types of people who are less likely to participate in the absence of automatic enrollment: younger employees, lower paid employees, and black and Hispanic employees.

• 这些被动储蓄者也是那些如果没有自动登记就不太可能参加储蓄计划的人：年轻雇员，低收入雇员，以及黑人和拉美裔雇员。