Which of the Following Explanations,if True,for the Observation That 80

Which of the following explanations,if true,for the observation that 80% of your company's employees choose not to opt into the company's optional retirement plan would be the LEAST consistent with standard economic theory?

A) Company-sponsored retirement plans tend to have lower-than-average returns over the long run.
B) Company-sponsored retirement plans tend to have higher-than-average costs compared to other retirement saving instruments.
C) When confronted with alternatives, people sometimes avoid making a choice and end up with the option that is assigned as a default.
D) Across all employers, the average rate of retirement plan enrollment tends to be about 20%, which is consistent with the low demand for retirement plans.