The online activity of participants on a retirement plan website reinforces that people are prone to making quick, instinctive decisions about investments. (Photo: Getty)

Theres no denying that Americans today are shouldering greater responsibility for their retirement security than ever before.

With uncertainty around the future of Social Security, the increasing costs associated with living longer, and the fact that people are not saving enough, the average worker faces the growing risk that they will not have the income they need to meet their retirement goals.

Every plan should consider one or more of these strategies, if they havent already:

1. Automatic enrollment One of the best ways to help sponsors advance their employees retirement goals is to first make sure they are on the path to saving through auto-enrollment.

Industry research has found that this step can increase enrollment by approximately 10 percent. Advisors should encourage clients to adopt auto-enrollment policies, reducing the number of employees who get overlooked or sidetracked before even signing up for their plan.

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How behavioral science can improve retirement plan health ... - BenefitsPro