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Bill

B 26-0230

Automatic Retirement Savings Act of 2025

26th Council Period (2025-2026) Introduced by Christina Henderson

D.C. bill requiring employers to automatically enroll workers in retirement savings programs unless they opt out, aiming to boost workforce retirement security.

Re-Referral published.
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WeVote Research Nonpartisan
Bill Summary · B 26-0230

Legislative bill overview

The Automatic Retirement Savings Act of 2025 would require private employers in Washington D.C. to automatically enroll employees in retirement savings programs unless they opt out. The bill aims to increase retirement security by making it easier for workers to save, particularly those without access to employer-sponsored plans.

Why is this important

Many D.C. workers lack retirement savings accounts, leaving them vulnerable to financial insecurity in old age. By making enrollment automatic rather than opt-in, the bill addresses behavioral economics research showing people are more likely to save when enrollment is the default. This could significantly increase retirement readiness across the workforce.

Potential points of contention

  • Employer burden and compliance costs: Small businesses may face administrative expenses and complexity implementing new systems, potentially disproportionately affecting smaller employers
  • Program design and portability: Questions remain about which retirement vehicles would be used, whether accounts follow workers between jobs, and who manages the funds
  • Wage vs. savings trade-offs: Mandatory deductions could reduce take-home pay, which some workers may view as problematic if they prefer immediate income over retirement savings

Compiled from official sources — confirm details with the bill’s official record.

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