| Description | Participants who did not contact the financial consultant | Participants who accepted consultant’s recommended saving rate | Participants who joined SMarT plan | Participants who declined SMarT plan | All |
|---|---|---|---|---|---|
| Participants initially choosing each option* | 2929 | 7979 | 162162 | 4545 | 315315 |
| Pre-advice contribution levels (%) | 6.606.6 | 4.44.4 | 3.53.5 | 6.106.1 | 4.44.4 |
| Contributions after first pay rise (%) | 6.56.5 | 9.19.1 | 6.56.5 | 6.306.3 | 7.107.1 |
| Contributions after second pay rise (%) | 6.806.8 | 8.98.9 | 9.49.4 | 6.26.2 | 8.68.6 |
| Contributions after third pay rise (%) | 6.606.6 | 8.708.7 | 11.6011.6 | 6.106.1 | 9.89.8 |
| Contributions after fourth pay rise (%) | 6.26.2 | 8.88.8 | 13.6013.6 | 5.95.9 | 10.6010.6 |
