Auto Reenroll Act of 2025
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Progress
Where this bill stands in the legislative process.
- Introduced
- Passed Senate
- Passed House
- To President
- Became Law
Overview
The Auto Reenroll Act of 2025 aims to allow employees to automatically re-enroll in retirement savings plans, such as 401(k)s, without having to actively opt-in each year. It modifies tax and retirement laws to permit periodic automatic contributions and ensures that employees who previously opted out of a plan are treated as having made an election to participate. The bill also updates regulations to accommodate changes in employee elections and enrollment periods.
Key provisions
- Allows for periodic automatic reenrollment in qualified and eligible automatic contribution arrangements.
- Modifies the Internal Revenue Code to permit automatic deferral elections to terminate after a 3-year period without requiring a new election.
- Provides a rule to treat previously disregarded employees as having made an election to participate.
- Updates regulations for eligible automatic contribution arrangements to allow for automatic deferral elections to terminate after a 3-year period.
- Conforms the Employee Retirement Income Security Act of 1974 to align with the changes in the Internal Revenue Code.
- Addresses termination of elections to not participate in arrangements.
- Specifies that plan years beginning after the enactment date are subject to these changes.
- Clarifies that the amendments do not create an inference regarding prior plan years.
Who is affected
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Sponsors
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