$100 Bills on the Sidewalk: Suboptimal Investment in 401(k) Plans
研究发现，在七家公司中，超过59½岁且符合匹配条件的员工中，36%的人因缴费不足而错失雇主匹配的免费资金，平均损失达年薪的1.6%（约507美元），而一项教育干预仅使缴费率微增0.67%。
We identify employees at seven companies whose 401(k) investment choices are dominated because they are contributing less than the employer matching contribution threshold despite being vested in their match and being able to make penalty-free 401(k) withdrawals for any reason because they are older than 59½. At the average firm, 36% of match-eligible employees over 59½ forego arbitrage profits that average 1.6% of their annual pay, or $507. A survey educating employees about the free lunch they are foregoing raised contribution rates by a statistically insignificant 0.67 percent of income among those completing the survey.