Some employers automatically enroll people in pension plans,

一些雇主自动将员工注册入退休金计划
which are a good idea by the way,

这是个好主意
because then if you're investing money throughout your work life,

因为如果你在工作期间持续投资
you're less likely to be dependent on the state later in life.

生命的后半程对国家的依赖就会较少
Some employers make you--enroll you by default--others--

一些雇主自动你注册
but you're allowed to opt out of it.

但你可以决定退出
Others don't enroll you but you're allowed to opt in,

另一些不为你注册但你可以选择参加
so the same choices

所以选择是相同的
but whether the default is in or out varies across employers.

但是默认是注册还是不注册因雇主而不同
The number of people who join pension plans

参加退休金计划的人数
varies a lot depending on the default.

却由于默认项不同而产生了巨大的差异
Same choices but just different defaults.

相同的选择不同的默认项