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Administer Illinois Secure Choice

Eligibility and Registration

Employers in Illinois who meet all of the following criteria will be required to facilitate Illinois Secure Choice:

  • Have 25 or more employees
  • Have been in operation for at least two years
  • Do not offer an employer-sponsored retirement plan

Registration information

You’ll be notified by the Program when it's time for your business to register. You’ll need the following information before you begin:

  • Federal Employer Identification or Tax Identification Number (EIN/TIN)
  • Illinois Secure Choice access code from your notification

What if I already offer a retirement savings plan?

We’re glad you’re already taking steps to help your employees save for retirement. Illinois Secure Choice does not apply to employers who already offer an employer-sponsored retirement plan, so you have no action to take at this time. Indicate your exemption with just a few clicks.

What counts as an employer-sponsored retirement plan?

An employer-sponsored retirement plan includes a plan qualified under Internal Revenue Code sections:

  • 401(a) or 401(k) plan) - Qualified plan (including profit sharing plans and defined benefits plans)
  • 403(a) - Qualified annuity plan
  • 403(b) - Tax-sheltered annuity
  • 408(k) - Simplified Employee Pension (SEP) plan
  • 408(p) - SIMPLE IRA plan
  • 457(b) - Governmental tax-deferred compensation plan
  • or Taft-Hartley plan

It does not include payroll deduction IRAs.

How do I count my employees for Illinois Secure Choice?

You are required to facilitate Illinois Secure Choice if you reported 25 or more employees during all four quarters of the previous calendar year to the Illinois Department of Employer Security (IDES) for unemployment insurance reporting (on the UI 3/40). Any employer who reported fewer than 25 employees for one or more quarters will be considered exempt from the program.

Why doesn’t the program use payroll to count employees?

Employers run payroll at different frequencies and with different methods while quarterly unemployment reports allow for consistent reporting across all employers.

Ongoing maintenance

Once your Illinois Secure Choice employer account is set up and ready to go, you’ll be responsible for ongoing maintenance: submitting employees’ contributions and updating your employee list.