employers have been able to nudge employees into contributing to retirement plans by making saving the default option; you have to actively take steps in order to not participate. That is, laziness or inertia can be more powerful than bias.
Since bias is virtually impossible to stop for any given individual, companies have utilized other methods to get people to make statistically correct decisions. It's incredible how bias impacts each and every person. Even people, myself included that feel good about being unbiased still have bias. Since bias is so subconscious and difficult to remove, it makes me wonder just how biased I really am. When I look at issues I try to view them from multiple angles and make a well-rounded, logical conclusion. Yet I wonder how "well-rounded" that conclusion really is due to potential bias in the research, as well as just confirmation bias in general.