# Illinois SB1441: SECURE CHOICE PROGRAM-IRAS Illinois SB1441, SECURE CHOICE PROGRAM-IRAS, is a 104th General Assembly (2025–2026) Senate bill sponsored by Robert Peters (Democratic); status signed, last action 2025-08-01 (Public Act . . . . . . . . . 104-0100); PRIA reads it as touching household money (as of 2026-11-01). - Canonical: https://policyrisk.com/state-bill/IL-SB1441-2025-2026 - As of: 2026-11-01 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: Illinois SB1441 - State: Illinois - Session: 104th General Assembly (2025–2026) - Title: SECURE CHOICE PROGRAM-IRAS - Status: signed - Chamber: Senate - Introduced: 2025-01-31 - Last action: 2025-08-01, Public Act . . . . . . . . . 104-0100 - Sponsor: Robert Peters (Democratic) - Cosponsors: 4 - Subjects: assignments, state government, personnel & pensions - Touches household money: yes - Roll calls: 5 (149 yes, 47 no in all) - Economic provisions PRIA read: 4 ## Summary Amends the Illinois Secure Choice Savings Program Act. Provides that the accounts established under the Secure Choice Savings Program shall be IRAs, into which enrollees contribute funds that are invested in investment options established by the Illinois Secure Choice Savings Board. Provides that a separate account shall be established for each enrollee and the accounts shall be owned by the enrollee. Provides that the savings accounts established under the Program shall be portable and allow for an enrollee to make contributions from multiple employers into a single account. Provides that an enrollee in the Program may have both a Roth IRA and a Traditional IRA through the Program. Provides that the Board shall have the duty to assess the feasibility of agreements with other governmental entities, including other states and their agencies and instrumentalities, to achieve greater economies of scale through shared resources and to enter into those agreements if determined to be beneficial. Provides that an employer who fails without reasonable cause to enroll an employee in the Program within the time provided and fails to remit their contributions (rather than fails without reasonable cause to enroll an employee in the Program within the time provided) shall be subject to a penalty. Makes changes in provisions concerning employer and employee information packets. Effective immediately. ## Bill overview: provisions PRIA read - Workers get clear retirement enrollment deadlines: benefit, low. At an employer’s first Secure Choice enrollment, eligible workers employed at least 120 days are automatically enrolled unless they opt out. After that, employers must enroll eligible new hires as soon as possible, within 120 days of starting work. Employee information packets must include an opt-o… - Workers own portable retirement savings accounts: benefit, low. Each Illinois Secure Choice participant owns a separate retirement savings account, with investment options set by the Board. Workers can contribute through multiple employers into one account, at the same time or across their lifetime. Participants can hold both Roth and traditional IRAs through t… - Employers face penalties for missed savings duties: cost, medium. Employers face penalties when, without reasonable cause, they miss an employee’s enrollment deadline and also fail to send that employee’s contributions. The penalty is $250 per employee for the first noncompliant calendar year. It rises to $500 per employee for each later noncompliant calendar yea… - Secure Choice cooperation gets new limits: mixed, low. The Secure Choice Board must assess whether agreements with other governments, including states, can save resources through shared operations. It must enter agreements it finds beneficial. The law removes the Board’s express authority to use agreements to let residents of other states join the prog… ## Sponsors and cosponsors - Sponsor: Robert Peters (Democratic), Senate - Cosponsor: Gregg Johnson (Democratic), House - Cosponsor: Michael W. Halpin (Democratic), Senate - Cosponsor: Robert F. Martwick (Democratic), Senate - Cosponsor: Sara Feigenholtz (Democratic), Senate ## Roll call votes | Date | Chamber | Motion | Result | Yes | No | Other | | --- | --- | --- | --- | --- | --- | --- | | 2025-05-21 | House | Third Reading - Short Debate - Passed | pass | 74 | 37 | | | 2025-04-24 | House | Do Pass / Short Debate Personnel & Pensions Committee; | pass | 8 | 4 | | | 2025-04-03 | Senate | Third Reading - Passed; | pass | 48 | 6 | | | 2025-03-19 | Senate | Senate Floor Amendment No. 1 Recommend Do Adopt State Government; | pass | 9 | 0 | | | 2025-02-27 | Senate | Do Pass State Government; | pass | 10 | 0 | | ## Actions (33) - 2025-08-01: Public Act . . . . . . . . . 104-0100 (Senate) - 2025-08-01: Effective Date August 1, 2025 (Senate) - 2025-08-01: Governor Approved (Senate) - 2025-06-18: Sent to the Governor (Senate) - 2025-05-21: Passed Both Houses (Senate) - 2025-05-21: Third Reading - Short Debate - Passed 074-037-000 (House) - 2025-05-16: Placed on Calendar Order of 3rd Reading - Short Debate (House) - 2025-05-16: Second Reading - Short Debate (House) - 2025-04-24: Placed on Calendar 2nd Reading - Short Debate (House) - 2025-04-24: Do Pass / Short Debate Personnel & Pensions Committee; 008-004-000 (House) - 2025-04-17: Assigned to Personnel & Pensions Committee (House) - 2025-04-07: Referred to Rules Committee (House) - 2025-04-07: First Reading (House) - 2025-04-04: Chief House Sponsor Rep. Gregg Johnson (House) - 2025-04-04: Arrived in House (House) - 2025-04-03: Third Reading - Passed; 048-006-000 (Senate) - 2025-04-01: Placed on Calendar Order of 3rd Reading April 2, 2025 (Senate) - 2025-04-01: Senate Floor Amendment No. 1 Adopted; Peters (Senate) - 2025-04-01: Second Reading (Senate) - 2025-03-19: Senate Floor Amendment No. 1 Recommend Do Adopt State Government; 009-000-000 (Senate) - 2025-03-19: Added as Co-Sponsor Sen. Sara Feigenholtz (Senate) - 2025-03-19: Senate Floor Amendment No. 1 Assignments Refers to State Government (Senate) - 2025-03-18: Senate Floor Amendment No. 1 Referred to Assignments (Senate) - 2025-03-18: Senate Floor Amendment No. 1 Filed with Secretary by Sen. Robert Peters (Senate) - 2025-02-27: Added as Chief Co-Sponsor Sen. Robert F. Martwick (Senate) - 2025-02-27: Placed on Calendar Order of 2nd Reading March 4, 2025 (Senate) - 2025-02-27: Do Pass State Government; 010-000-000 (Senate) - 2025-02-26: Added as Co-Sponsor Sen. Michael W. Halpin (Senate) - 2025-02-20: Postponed - State Government (Senate) - 2025-02-11: Assigned to State Government (Senate) - 2025-01-31: Referred to Assignments (Senate) - 2025-01-31: First Reading (Senate) - 2025-01-31: Filed with Secretary by Sen. Robert Peters (Senate) ## Bill text - Engrossed: [PDF](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB1441eng.pdf) - Enrolled: [PDF](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB1441enr.pdf) - Introduced: [PDF](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB1441.pdf) - Senate Amendment 1: [PDF](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB1441sam001.pdf) ## Related bills - HB5198: AFFORDABLE HOUSING-CILAS (passed house) - SB1937: PENSION CODE-VARIOUS (passed senate) - HB2563: CONDO-RESERVE STUDY (in committee) - HB4701: LIMITATIONS FACILITY FEES ACT (in committee) - SB3008: DHS-ABLE PROGRAM INFO MATERIAL (passed senate) - SB3484: VEH CD-PLATES-REGISTRATION (signed) ## Sources - [Engrossed (PDF)](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB1441eng.pdf) - [Enrolled (PDF)](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB1441enr.pdf) - [Introduced (PDF)](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB1441.pdf) - [Senate Amendment 1 (PDF)](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB1441sam001.pdf) ## Related - [HB5198: AFFORDABLE HOUSING-CILAS](https://policyrisk.com/state-bill/IL-HB5198-2025-2026) - [SB1937: PENSION CODE-VARIOUS](https://policyrisk.com/state-bill/IL-SB1937-2025-2026) - [HB2563: CONDO-RESERVE STUDY](https://policyrisk.com/state-bill/IL-HB2563-2025-2026) - [HB4701: LIMITATIONS FACILITY FEES ACT](https://policyrisk.com/state-bill/IL-HB4701-2025-2026) - [SB3008: DHS-ABLE PROGRAM INFO MATERIAL](https://policyrisk.com/state-bill/IL-SB3008-2025-2026) - [SB3484: VEH CD-PLATES-REGISTRATION](https://policyrisk.com/state-bill/IL-SB3484-2025-2026) - [Illinois bills](https://policyrisk.com/states/illinois/bills) - [Illinois state hub](https://policyrisk.com/states/illinois) - [All state legislation](https://policyrisk.com/state-bills) Source: PRIA, https://policyrisk.com/state-bill/IL-SB1441-2025-2026 (as of 2026-11-01).