Question: The opt out feature of the 401(k) plan is designed to increase the enrollment of employees in the plan because, without this feature, an average of 25 percent of employees are not likely to enroll in it. What do you think would happen if the IBM 401(k) plan had an opt in feature instead? [An opt in feature would mean that all IBM employees must take positive steps to enroll in the 401(k) plan because the default position is that an employee is not enrolled in the 401(k) plan.] In the majority of companies, employees must opt in to a 401(k) plan. Are there any advantages to a company that uses an opt in requirement for enrolling employees in the plan?