IllinoisSB1454104th General Assembly (2025–2026)SenateWALLET

PEN CD-CHICAGO-AUTO ENROLLMENT

Sponsored By: Robert F. Martwick (Democratic)

Signed by Governor

Summary

Amends the Chicago Police, Chicago Firefighter, and Chicago Municipal Articles of the Illinois Pension Code. Provides that a person who becomes a member on or after January 1, 2026 shall be automatically enrolled into a federal tax qualified pre-tax retirement plan that is otherwise allowed by State and federal law. Provides that a member subject to automatic enrollment shall have the option to opt out of the plan and shall be informed of that option within 30 days after being hired. Provides that if another option is not chosen by the member, the default employee contribution to the account shall be 3% of the member's salary. Provides that the plan administrator may automatically increase members contributions by no more than 1% per year, and a member may choose to opt out of the automatic increases. Amends the State Mandates Act to require implementation without reimbursement. Effective immediately.

assignmentspensionspersonnel & pensions

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Bill Overview

Analyzed Economic Effects

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

Public workers auto-enrolled in retirement plans

Beginning January 1, 2027, municipalities with at least 500,000 people must enroll newly hired employees in a deferred compensation plan. This covers employees who join on or after that date and participate in a pension fund under Articles 5, 6, or 8 of the Illinois Pension Code. A municipality without a plan must establish one by January 1, 2027. Employees can opt out within 30 days after hire. Those who stay enrolled default to contributing 3% of salary; the plan administrator can raise contributions by up to 1% per year, and employees can opt out of those increases.

Local governments cover mandate costs

The State does not have to reimburse municipalities or other entities for the costs of carrying out mandates created by this law. Those entities may have to cover the costs. This rule does not itself require households to pay.

Sponsors & Cosponsors

Sponsor

  • Robert F. Martwick

    Democratic • Senate

Cosponsors

  • Sara Feigenholtz

    Democratic • Senate

  • Stephanie A. Kifowit

    Democratic • House

Roll Call Votes

All Roll Calls

Yes: 193 • No: 0

House vote • 5/21/2026

Third Reading - Short Debate - Passed

Yes: 112 • No: 0

House vote • 5/7/2026

Do Pass / Short Debate Personnel & Pensions Committee;

Yes: 11 • No: 0

Senate vote • 4/15/2026

Third Reading - Passed;

Yes: 56 • No: 0

Senate vote • 4/15/2026

Senate Floor Amendment No. 1 Recommend Do Adopt Pensions;

Yes: 7 • No: 0

Senate vote • 3/4/2026

Do Pass Pensions;

Yes: 7 • No: 0

Actions Timeline

  1. Public Act . . . . . . . . . 104-0620

    7/24/2026Senate
  2. Effective Date July 24, 2026

    7/24/2026Senate
  3. Governor Approved

    7/24/2026Senate
  4. Sent to the Governor

    6/18/2026Senate
  5. Passed Both Houses

    5/21/2026Senate
  6. Third Reading - Short Debate - Passed 112-000-000

    5/21/2026House
  7. Placed on Calendar Order of 3rd Reading - Short Debate

    5/19/2026House
  8. Second Reading - Short Debate

    5/19/2026House
  9. Placed on Calendar 2nd Reading - Short Debate

    5/7/2026House
  10. Do Pass / Short Debate Personnel & Pensions Committee; 011-000-000

    5/7/2026House
  11. Pension Note Filed

    5/5/2026House
  12. Assigned to Personnel & Pensions Committee

    4/27/2026House
  13. Referred to Rules Committee

    4/15/2026House
  14. First Reading

    4/15/2026House
  15. Chief House Sponsor Rep. Stephanie A. Kifowit

    4/15/2026House
  16. Arrived in House

    4/15/2026House
  17. Added as Chief Co-Sponsor Sen. Sara Feigenholtz

    4/15/2026Senate
  18. Third Reading - Passed; 056-000-000

    4/15/2026Senate
  19. Placed on Calendar Order of 3rd Reading

    4/15/2026Senate
  20. Senate Floor Amendment No. 1 Adopted; Martwick

    4/15/2026Senate
  21. Recalled to Second Reading

    4/15/2026Senate
  22. Senate Floor Amendment No. 1 Recommend Do Adopt Pensions; 007-000-000

    4/15/2026Senate
  23. Senate Floor Amendment No. 1 Assignments Refers to Pensions

    3/10/2026Senate
  24. Placed on Calendar Order of 3rd Reading March 10, 2026

    3/5/2026Senate
  25. Second Reading

    3/5/2026Senate

Bill Text

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