Workers stick with pensions - FT.com Take-up of workplace pension schemes under auto-enrolment has exceeded expectations, with fewer than one in 10 employees choosing to opt out of the savings plan after being automatically signed up. Forecasts made before the scheme began had predicted drop-out rates of up to one-third. The Department for Work and Pensions said that participation rates were highest among younger workers. The first phase of auto enrolment involves only the largest companies, however IN Pensions Auto-enrolment aims to stem the fall in employee pension plan membership, which is at its lowest in 60 years. The average employee contribution has remained unchanged for a decade, at 2.8 per cent of pay.