Although Roth 401(k)s have only been available for the past three months, nearly 8% of workers are electing this option, according to a study of three large defined contribution plans representing 61,000 participants, Hewitt Associates found, according to a report by Dow Jones. And that jumps to a participation rate of nearly 25% when workers are newly enrolling in a 401(k) plan.

Some sponsors have been reluctant to offer Roth 401(k) options, fearing that contribution levels might decrease since contributions are not tax free, and therefore cost more out of a participant's pocket. But so far, contribution levels in both regular and Roth 401(k)s average 3%, Hewitt found.

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