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119-hr-6729119th CongressWALLET

Auto Reenroll Act of 2025

Sponsored By: Representative Vindman, Eugene Simon [D-VA-7]

Introduced

Summary

Periodic automatic reenrollment for workplace retirement contributions.

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This bill would let plans restart an employee's automatic 401(k) deferrals after 1-3 years unless the employee makes a new election. It aligns Internal Revenue Code and ERISA rules so plans can treat certain formerly excluded workers as having elected to participate.

  • Workers and households: Employees who previously opted out would be treated as re-enrolled after 1-3 years and contributions resume at the plan's uniform percentage unless they opt out again.
  • Employers and plan sponsors: Plans may apply a one-time, plan-year termination of opt-outs for all affected employees at once, simplifying administration.
  • Plan rules and covered employees: The bill amends sections 401(k)(13)(C), 414(w)(3), and ERISA section 514(e)(2) and defines "previously disregarded employees" so the periodic reenrollment rule applies. It applies to plan years beginning after enactment.

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Bill Overview

Analyzed Economic Effects

1 provisions identified: 0 benefits, 0 costs, 1 mixed.

Automatic reenrollment for workplace retirement plans

If enacted, the bill would let employers automatically reenroll workers in retirement plans when a prior opt-out ends after 1 to 3 years. After that opt-out ends, the worker would be treated as having chosen the plan's standard contribution percentage unless they make a new opt-out election. A plan could apply that reenrollment at one time for a plan year to all affected workers, no matter their enrollment dates. The bill would also change counting rules so some workers previously ignored for automatic-enrollment calculations can be treated as initially enrolled. These changes would apply to plan years beginning after the date of enactment and would not change rules for plan years that began before enactment or for opt-outs ending after more than 3 years.

Sponsors & CoSponsors

Sponsor

Vindman, Eugene Simon [D-VA-7]

VA • D

Cosponsors

  • Rep. Peters, Scott H. [D-CA-50]

    CA • D

    Sponsored 10/6/2026

  • Rep. Thompson, Glenn [R-PA-15]

    PA • R

    Sponsored 12/15/2025

  • Rep. Davids, Sharice [D-KS-3]

    KS • D

    Sponsored 9/10/2026

  • Rep. Mannion, John W. [D-NY-22]

    NY • D

    Sponsored 9/10/2026

Roll Call Votes

No roll call votes available for this bill.

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