Left to their own devices, 401(k) investors either underweight or overweight their risk tolerance, ending up with a portfolio either loaded up or too light on equities.

While employers have been adopting automatic enrollment and increases, along with default target-date funds, in recent years, their employees who already enrolled in their 401(k) plans don’t have the benefit of these default choices, The Baltimore Sun reports. And so, many employers are “re-enrolling” existing workers, with the right to opt out, of course.

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