They can also help counter the underlying causes of procrastination in retirement decisions-such as the complexity of making the best decision-by finding ways to make these decisions simpler or by offering financial education.

• 雇主还可以通过设法简化参加退休计划的决定，或是对雇员进行财务知识培训等方法，以帮助抗衡诸如退休过程太过复杂等导致雇员拖延做出决定的因素。