Auto Reenroll Act of 2025

Automatic Reenrollment for Retirement Savings: The bill allows for employees to be treated as having made an election to contribute to their arrangements after a previous termination expires (Section 2(a)(1)). This could help ensure people continue contributing to their savings programs.

Streamlined Participation for Previous Employees: The provision allows "previously disregarded employees"—those who chose not to participate in the past—to be treated as employees who have made an election to participate (Section 2(a)(2)(B)).

Consistent Contribution Levels: For eligible automatic contribution arrangements, a participant can be treated as having made an election to make contributions at a uniform percentage level after their previous election to not contribute terminates (Section 2(b)(1)).

Temporary Loss of Control Over Contribution Decisions: An employee's election to stop contributions may terminate after a period of not more than three years, but not less than one year (Section 2(a)(1)(I)).

Requirement for New Affirmative Action: To avoid having contributions resume, an employee must make a new affirmative election (Section 2(a)(1)(II)).

Potential for Unintended Contributions: Under eligible automatic contribution arrangements, a participant may be treated as having elected to make contributions at a uniform percentage level unless they make a new election not to do so (Section 2(b)(1)).