My employer automatically enrolls you at the percentage required to get a full match. I think having to opt out instead of having to opt in makes sense, because people are lazy. It’s easier to just leave it than to try and figure out how to get out of it.
I just got a statement now that I’ve been here a year, and it says that if I keep saving at my current rate I will have way more than I need to retire. In interpreting that information, I am mentally subtracting their social security assumptions and still coming out at about 100% income replacement. So, 31 more years and I’m set!