I personally don't like opt put programs, as one should not be required to pay in to something, without understanding of what or where it is they're sending their money to. It may well be to their benefit, but freedom of choice is more important. Someone else should not be making financial decisions for another person without their consent. 401Ks are fine, but companies need to do a better job, even one-on-ones, to better help each employee what it is. And, too often 401k options are limited to whats cheapest for the company, not what is least cost for employees... i.e, fees.