如果雇主告诉他们的雇员说现在有一项养老金储蓄计划，甚至保证也交纳和雇员同样多的钱，很大一部分雇员依旧不会参加。
If employers tell their new employees that a pension saving plan is available, and even promise to match employees’ contributions, a significant fraction of employees still will not participate.