Steve,
It gives me great pleasure to offer the following (probably) unhelpful (given the question) answer of....IT DEPENDS. As you might expect, the answer to this question is more complex than a simple "rule of thumb" or single number that applies in all cases. See Kreft & de Leeuw,
1998, pp. 9–10, a copy of which can be found in the link below, for a short explanation:
I was chatting with Julie Posselt a bit ago and she said Raudenbush told her (verbally) a rule of thumb, but that he didn't or wouldn't put it in writing, maybe because of what Kreft/de Leeuw say ("it depends"). She can chime in about that, if she cares to.
Have a nice day!!
Steve