New figures show more people are enrolling in KiwiSaver but are contributing less to the savings scheme.
The trend is highlighted in the latest annual evaluation of the scheme by the Inland Revenue Department.
The voluntary work-based savings initiative began in 2007.
At the end of September this year, 2,014,945 people were enrolled. But the number making the minimum 2% contribution of pay has risen sharply.
In 2010, 41% of those in KiwiSaver made the minimum contribution, rising to 59% by June 2012.
Those putting in 4% of their pay - the previous minimum before changes in the 2009 Budget - has fallen from 55% to 36%.
Those contributing 8% or more has remained unchanged in each of the last three years.
This year's Budget increased employees' minimum contribution back up to 3%, to take effect from 1 April 2013.
Fewer opting out
People have eight weeks to opt out of KiwiSaver and 255,000 have done so since the scheme began.
But according to Inland Revenue, just 6000 people took the chance to get out completely in 2012, down from 25,000 who chose to leave two years ago.
The numbers opting out fell dramatically after the Government cut minimum employee contributions from 4% to 2% in 2010.
In 2009, the numbers who chose to leave the scheme before they were locked in was 83,000.
