(Bloomberg) -- A retirement savings wave that has been rolling stealthily across corporate America is gaining momentum. Some 68 percent of large U.S. companies now automatically enroll employees in 401(k) plans, up from 58 percent two years ago, according to a new survey.

Three-quarters of those employers bump up worker savings rates automatically every year, and many continue until savings rates hit 10 percent and beyond—or until, presumably, the employee screams.

That may seem a little heavy-handed, but a retirement plan that's largely on autopilot can make inertia work for, rather than against, savers.

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