Employers: Register Today

It takes just a few minutes to get started. No employer fees, easy to facilitate. Get started today or access support resources.


Designed with you in mind

Illinois Secure Choice is a simple and convenient retirement savings program for employers who do not already offer a plan. Research shows that employees are more productive when they have less finance-related stress.1 They are also 15 times more likely to save for retirement if an option is available at work.2

We know your primary responsibility is to keep your business running smoothly, so Illinois Secure Choice simplifies your role and limits your responsibilities. It can also help you attract and retain talent. Watch our overview webinar to get a full introduction to the program.


Easy facilitation

Employers serve a limited role: facilitate the program by adding and maintaining your employee roster and submitting contributions via simple payroll deduction.


No financial implications

There are no employer fees and employers do not make contributions to employee accounts.


Ongoing support

You have access to a support team, education sessions, tips, and templates so that you can focus on running your business.

Just a few simple steps

By law, eligible employers must register and facilitate program activities by specific deadlines. Setting up your account is quick and easy. After completing these steps for the first time, you'll maintain your account by adding and removing employees and submitting payroll deductions each pay period.


Not all employers are eligible. Only private-sector employers who do not offer a qualified retirement plan, had at least five employees in every quarter of the previous calendar year, and have been in business for at least two years must facilitate Illinois Secure Choice.


Registering takes just few minutes. You will need your company’s Federal Employer Identification Number or Tax Identification Number (EIN/TIN) and your Illinois Secure Choice Access Code.


When you register, you’ll submit information for each eligible employee. This will begin the process of having a Roth IRA set up in each employee’s name. Employees will then have 30 days to decide to participate or opt out. If they do not make a selection, they will be automatically enrolled in the program.


After you add employee information, you’ll begin facilitating payroll deductions each payroll period through bank transfer. These payroll deductions will be added to the employee’s Roth IRA account and invested according to their selections.

Employers are not responsible for answering questions about the program, managing investment options, processing distributions, or giving investment/tax advice. Your employees will maintain their account directly through the Illinois Secure Choice program.

Employer registration deadlines

State law now requires that every employer that had at least five employees in every quarter of the previous year and that has been in business for at least two years must offer their own qualified retirement plan or facilitate Illinois Secure Choice. Employers covered by the state law will be contacted by the program. Covered employers who do not meet their required deadlines may be subject to fines and penalties as described in 820 ILCS 80/85.





Illinois Secure Choice was established by the Illinois State Legislature to address the growing retirement savings gap that will occur for many residents in the future. You can read the legislation here.


Simple and trusted way to save for retirement

Illinois Secure Choice is a state-facilitated retirement program that makes it easy to save for retirement. Since it was launched in 2018, the program has brought retirement savings access to workers in every county across Illinois.


  • Employees will be auto-enrolled after 30 days if they do not opt out and will begin saving through payroll contributions facilitated by you as their employer.
  • Employees can opt out and back in at any time
  • The saver will have a Roth IRA (after-tax contributions) set up in their name. (Savers can recharacterize to a Traditional IRA.)
  • The default savings rate is 5% of gross pay. Savers can change their rate at any time.
  • Their account is portable. It stays with them even if they leave your workplace.


Get started with facilitating Illinois Secure Choice.

Get Started


What is the timeline for the program implementation?

The program began in May 2018 with a small pilot group of employers. The program has gone through its initial waves for larger employers and then rolled out to additional employers. Employers who do not comply with the Illinois Secure Choice Savings Program Act may be subject to fines and penalties as described in 820 ILCS 80/85. The registration deadlines for employers based on employer size is outlined below:

  • An employer employing 500 or more employees: 11/1/2018
  • An employer employing 100 to 499 employees: 7/1/2019
  • An employer employing 25 to 99 employees: 11/1/2019
  • An employer employing 16 to 24 employees: 11/1/2022
  • An employer employing 5 to 15 employees: 11/1/2023

For more information on definitions of employer, employee, and employment, and number of employees, please see the administrative rules associated with the program.

Is there a penalty for businesses for failing to comply with the mandate?

Yes. Any business that does not offer a qualified retirement plan, employed five or more Illinois employees in the previous year, and has been in business for at least two years is required to facilitate the Illinois Secure Choice program for its employees. Employers who do not comply with the Illinois Secure Choice Savings Program Act may be subject to fines and penalties as described in 820 ILCS 80/85.

How will I know when I have to register for the program and enroll my employees?

The employer registration timeline is available on this website. The account administrator will notify employers of the date(s) they may begin registration and start enrolling their employees and when that process must be completed. The account administrator will also provide employers with access to an online portal to register for the Program and facilitate enrollment of their employees.

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1Lockton Retirement Services, Finding the Links between Retirement, Stress, and Health, 2016

2AARP Access to Workplace Retirement Plans by Race and Ethnicity Fact Sheet, February 2017