<prompt> Human: As part of discrimination testing for our company plan, the average percentages contributed was released for both highly compensated employees and non-highly compensated employees. There are about 150 employees and the company matches the first 4 contributed. Yet the average contributed by non-highly compensated employees is just a little under 4 that is some are not getting the free money and for highly compensated employees the average contributed is about 6.5We have a lot of technology workers with decent pay rates, and theres a fair amount of talk about wanting to retire early, even as soon as 40s or early 50s for many. But with 4 to 6 savings rate, theres no way these people will have enough saved to accomplish this. Why is there such a big discrepancy between what people say they want and what they save to accomplish that? The plan used to offer mostly poor choices, so that might have been a factor, but for the last 18 months the new plan has fairly decent ERs and a nice selection of funds. Plus, theres free money that people arent even taking. So why still such low savings rates?  <response>: Why is there such a big discrepancy between what people say they want and what they save to accomplish that?Because people are stupid? Your company is representative of the entire country. Relatively few people save enough. 