# 119-s-2335: Pensions for All Act

119-s-2335, Pensions for All Act, is a 119th Congress bill sponsored by Sen. Sanders, Bernard [I-VT] (I-VT); status introduced; PRIA reads it as touching household money (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-s-2335
- As of: 2026-04-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-2335
- Congress: 119
- Title: Pensions for All Act
- Status: introduced
- Introduced: 2025-07-17
- Sponsor: Sen. Sanders, Bernard [I-VT] (I-VT)
- Cosponsors: 0
- Policy area: Labor and Employment
- Touches household money: yes
- Last recorded action: 2026-04-21

## Summary

**Expands FERS-style federal retirement benefits to private-sector workers and the self-employed** while creating a tax credit for some pension contributions and a penalty for noncompliance. The bill would let private employers, employees, and self-employed people choose between a covered retirement program or participation in the Federal Employees Retirement System and would extend Thrift Savings Plan rules beyond federal workers.

## Provisions PRIA read

- FERS access for private workers: benefit, high. If enacted, some non‑Federal employees and some self‑employed people would be able to join the Federal Employees Retirement System. The bill defines who is a "covered" non‑Federal employer, covered employee, and covered self‑employed person. Employers and self‑employed people already in one option…
- Lower employer and self-employed contributions: benefit, high. If enacted, covered employers and covered self‑employed people would generally pay less into the retirement fund. Employers with $25 million or less in revenue would pay 50% of the usual contribution. Employers with $25,000,001 to $100,000,000 would pay 50% plus an extra share equal to 50% × ((reve…
- Tax credit for pension contributions: benefit, high. If enacted, eligible employers and self‑employed people would get a new business tax credit equal to a share of qualifying pension contributions. The base share is 50%. That share is reduced as employer receipts go above $25,000,000 or as self‑employed income goes above $75,000 using the bill's for…
- Employer and self-employed mandates and penalties: cost, high. If enacted, every employer would have to offer each worker a covered retirement program or notify the Secretary that employees will join FERS. Every self‑employed person would have to enroll in a covered program or notify that they will join FERS. Failure to comply would trigger a new tax of $10 pe…
- Withholding rules and pay protection: mixed, medium. If enacted, covered non‑Federal employers would have to withhold the same share of pay from covered employees as federal employees pay. Covered self‑employed people would have the same share of pay treated as withheld and would have to deposit that amount to the Treasury. The bill would also bar em…

## Related bills

- 119-s-891: Bipartisan Health Care Act
- 119-s-2120: Older Americans Act Reauthorization Act of 2025
- 119-s-5071: Children's Safe Welcome Act of 2026
- 119-s-2838: Protecting Our Democracy Act
- 119-s-2819: Head Start for America's Children Act
- 119-s-5283: Momnibus Act

## Sources
- [119-s-2335 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/2335)

## Related
- [119-s-891: Bipartisan Health Care Act](https://policyrisk.com/legislation/119-s-891)
- [119-s-2120: Older Americans Act Reauthorization Act of 2025](https://policyrisk.com/legislation/119-s-2120)
- [119-s-5071: Children's Safe Welcome Act of 2026](https://policyrisk.com/legislation/119-s-5071)
- [119-s-2838: Protecting Our Democracy Act](https://policyrisk.com/legislation/119-s-2838)
- [119-s-2819: Head Start for America's Children Act](https://policyrisk.com/legislation/119-s-2819)
- [119-s-5283: Momnibus Act](https://policyrisk.com/legislation/119-s-5283)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-2335 (as of 2026-04-21).