Last month, the federal government gave automatic 401(k) enrollment the green light, and the Internal Revenue Service announced a number of rulings clarifying the rules for automatic enrollment. Enrollment among lower-income and younger workers has often been a problem, because these groups feel they cannot spare any of their pay, but experts say that most people cannot afford not to contribute to 401(k)s because of the diminishing of defined-benefit plans. Profit Sharing/401(k) Council of America President David Wray says that he expects that the number of companies using automatic enrollment will double annually for the next five years, with over half of all plans using it by 2005. Automatic enrollment lets employers decide the initial percentage of pay withheld and the initial investments, but then employees can choose thereafter.