Savings plans offered by employers are a good way to save for retirement, and most Americans enroll in them at some point. But unless enrollment is automatic, that point is often too late in the worker’s life to build up a sum large enough for a comfortable retirement. Currently, about a quarter of all employees end up with a retirement income so low that they are completely dependent on Social Security. Studies show that workers who are automatically enrolled in 401(k) or similar plans start saving earlier, save more, and make better investment choices than those whose companies put the onus on them to decide to enroll. With a Social Security crisis looming, the time is now for companies across America to make all retirement-plan enrollments automatic so that today’s younger workers will enjoy financial security when they retire.