{"id":4439,"date":"2023-01-16T08:33:25","date_gmt":"2023-01-16T14:33:25","guid":{"rendered":"https:\/\/www.employco.com\/blog\/?p=4439"},"modified":"2023-01-16T10:38:25","modified_gmt":"2023-01-16T16:38:25","slug":"hr-newsletter-secure-2-0-becomes-law-retirement-plans","status":"publish","type":"post","link":"https:\/\/www.employco.com\/blog\/2023\/01\/16\/hr-newsletter-secure-2-0-becomes-law-retirement-plans\/","title":{"rendered":"HR Newsletter: \u201cSECURE 2.0\u201d Becomes Law (Retirement Plans)"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone\" src=\"https:\/\/www.employco.com\/images\/newsletter\/HR\/Blog\/January2023_Secure20.jpg\" alt=\"HR Newsletter: \u201cSECURE 2.0\u201d Becomes Law (Retirement Plans)\" width=\"1200\" height=\"545\" \/><\/p>\n<p>On Dec. 29, 2022, President Biden signed the <a href=\"https:\/\/www.congress.gov\/bill\/117th-congress\/house-bill\/2617\/text\" target=\"_blank\" rel=\"noopener\">Consolidated Appropriations Act of 2023<\/a>, an omnibus bill that includes the \u201cSECURE 2.0\u201d legislation. It is referred to as such because it builds on the Setting Every Community Up for Retirement Enhancement (SECURE) Act of 2019.<\/p>\n<p><strong>Key SECURE 2.0 provisions include<\/strong>:<\/p>\n<p><!--more--><\/p>\n<ul>\n<li>Expanding automatic enrollment in 401(k) and 403(b) retirement plans (for plan years beginning after Dec. 31, 2024);<\/li>\n<li>Increasing the age for required minimum distributions (the SECURE Act increased this to age 72, while SECURE 2.0 raises the age further to 73 starting on Jan. 1, 2023, and to age 75 on Jan. 1, 2033);<\/li>\n<li>Further reducing the years of service requirements for part-time workers to participate in 401(k) plans (for plan years beginning after Dec. 31, 2024);<\/li>\n<li>Indexing IRA catch-up contribution limits for people aged 50 and over (for taxable years beginning after Dec. 31, 2023);<\/li>\n<li>Increasing the catch-up limit to apply at ages 60, 61, 62, and 63 (for taxable years beginning after Dec. 31, 2024);<\/li>\n<li>Allowing SIMPLE IRAs to accept Roth contributions (for tax years beginning after Dec. 31, 2022);<\/li>\n<li>Treating student loan payments as elective deferrals for purposes of matching contributions (for plan years beginning after Dec. 31, 2023);<\/li>\n<li>Modifying the credit for small employer pension plan startup costs (for taxable years beginning after Dec. 31, 2022);<\/li>\n<li>Establishing a national, online Retirement Savings Lost &amp; Found Database for workers and retirees to find their lost retirement accounts (no later than two years after the date of enactment); and<\/li>\n<li>Allowing small immediate financial incentives for contributing to a workplace retirement plan (effective for plan years beginning after the date of enactment).<\/li>\n<\/ul>\n<p><strong>Bill Summary<\/strong> &#8211; A summary of the bill can be found <a href=\"https:\/\/www.congress.gov\/bill\/117th-congress\/house-bill\/2617\" target=\"_blank\" rel=\"noopener\">here<\/a>.<br \/>\n<strong>Section-by-Section Summary<\/strong> &#8211; A section-by-section summary of the legislation can be found <a href=\"https:\/\/www.finance.senate.gov\/imo\/media\/doc\/Secure%202.0_Section%20by%20Section%20Summary%2012-19-22%20FINAL.pdf\" target=\"_blank\" rel=\"noopener\">here<\/a>.<br \/>\n<strong>Original SECURE Act<\/strong> &#8211; The U.S. Department of Labor has created a <a href=\"https:\/\/www.dol.gov\/agencies\/ebsa\/laws-and-regulations\/laws\/secure-act\" target=\"_blank\" rel=\"noopener\">SECURE Act webpage<\/a> for more information on the 2019 law.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>On Dec. 29, 2022, President Biden signed the Consolidated Appropriations Act of 2023, an omnibus bill that includes the \u201cSECURE 2.0\u201d legislation. It is referred to as such because it builds on the Setting Every Community Up for Retirement Enhancement&hellip;  <\/p>\n<p class=\"more-link\"><a href=\"https:\/\/www.employco.com\/blog\/2023\/01\/16\/hr-newsletter-secure-2-0-becomes-law-retirement-plans\/\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[31],"tags":[],"class_list":["post-4439","post","type-post","status-publish","format-standard","hentry","category-hr-newsletter"],"featured_image_src":null,"author_info":{"display_name":"Employco USA","author_link":"https:\/\/www.employco.com\/blog\/author\/employcousa\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>HR Newsletter: \u201cSECURE 2.0\u201d Becomes Law (Retirement Plans) - Employco Blog<\/title>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/www.employco.com\/blog\/2023\/01\/16\/hr-newsletter-secure-2-0-becomes-law-retirement-plans\/\" \/>\r\n<meta property=\"og:locale\" content=\"en_US\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"HR Newsletter: \u201cSECURE 2.0\u201d Becomes Law (Retirement Plans) - Employco Blog\" \/>\r\n<meta property=\"og:description\" content=\"On Dec. 29, 2022, President Biden signed the Consolidated Appropriations Act of 2023, an omnibus bill that includes the \u201cSECURE 2.0\u201d legislation. 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Background - The Consolidated Appropriations Act of 2023 was signed on Dec. 29, 2022, which is an omnibus\u2026","rel":"","context":"In &quot;HR Newsletter&quot;","block_context":{"text":"HR Newsletter","link":"https:\/\/www.employco.com\/blog\/category\/employco-in-the-news\/hr-newsletter\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":4156,"url":"https:\/\/www.employco.com\/blog\/2022\/08\/15\/hr-newsletter-november-deadline-for-illinois-employers\/","url_meta":{"origin":4439,"position":1},"title":"HR Newsletter: November Deadline for Illinois Employers","author":"Employco USA","date":"August 15, 2022","format":false,"excerpt":"Beginning in 2018, Illinois implemented its state-sponsored retirement program\u2014the Illinois Secure Choice Retirement Savings Program (Secure Choice). This program offers a Roth Individual Retirement Arrangement (IRA) to employees in Illinois who do not have access to a tax-qualified retirement program through work. While covered employers do not need to pay\u2026","rel":"","context":"In &quot;HR Newsletter&quot;","block_context":{"text":"HR Newsletter","link":"https:\/\/www.employco.com\/blog\/category\/employco-in-the-news\/hr-newsletter\/"},"img":{"alt_text":"Illinois Secure Choice Retirement Savings Program (Secure Choice)","src":"https:\/\/i0.wp.com\/www.employco.com\/images\/newsletter\/HR\/Blog\/August2022_Illinois-Secure-Choice.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.employco.com\/images\/newsletter\/HR\/Blog\/August2022_Illinois-Secure-Choice.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.employco.com\/images\/newsletter\/HR\/Blog\/August2022_Illinois-Secure-Choice.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.employco.com\/images\/newsletter\/HR\/Blog\/August2022_Illinois-Secure-Choice.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.employco.com\/images\/newsletter\/HR\/Blog\/August2022_Illinois-Secure-Choice.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":5766,"url":"https:\/\/www.employco.com\/blog\/2025\/04\/09\/hr-chat-w-employco-usa-401k-and-hsa-balances-reach-new-highs\/","url_meta":{"origin":4439,"position":2},"title":"HR Chat w\/Employco USA: 401(k) and HSA Balances Reach New Highs","author":"Employco USA","date":"April 9, 2025","format":false,"excerpt":"https:\/\/youtu.be\/gkeO61H9R_0 Rob and Jason discuss the latest trends in employee retirement savings, including record-setting increases in 401(k) and HSA balances, the impact of Secure 2.0, automatic enrollment options, and how employees are planning smarter for retirement. Contact hr@employco.com with any questions on this topic! Schedule a 15-minute call with Griffen\u2026","rel":"","context":"In &quot;HR Chat&quot;","block_context":{"text":"HR Chat","link":"https:\/\/www.employco.com\/blog\/category\/human-resources\/hr-chat\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/img.youtube.com\/vi\/gkeO61H9R_0\/0.jpg?resize=350%2C200","width":350,"height":200},"classes":[]},{"id":5468,"url":"https:\/\/www.employco.com\/blog\/2024\/07\/17\/hr-newsletter-state-legislative-updates-18\/","url_meta":{"origin":4439,"position":3},"title":"HR Newsletter: State Legislative Updates","author":"Employco USA","date":"July 17, 2024","format":false,"excerpt":"Rhode Island Passes Secure Choice Retirement Savings Program - On June 26, 2024, Senate Bill 2045 was signed into law, establishing a state-operated retirement savings program called Rhode Island Secure Choice. Employers who do not already offer a retirement savings plan will be required to offer workers access to the\u2026","rel":"","context":"In &quot;HR Newsletter&quot;","block_context":{"text":"HR Newsletter","link":"https:\/\/www.employco.com\/blog\/category\/employco-in-the-news\/hr-newsletter\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":4694,"url":"https:\/\/www.employco.com\/blog\/2023\/06\/15\/hr-newsletter-state-legislative-updates-5\/","url_meta":{"origin":4439,"position":4},"title":"HR Newsletter: State Legislative Updates","author":"Employco USA","date":"June 15, 2023","format":false,"excerpt":"Florida\u2019s New Immigration Law Requires Employers to Use E-Verify: On May 11, 2023, Florida adopted an immigration bill, Senate Bill (SB) 1718. Among other things, this bill will require employers to use the federal E-Verify system (E-Verify) to confirm their employees\u2019 eligibility to work in the United States. SB 1718\u2026","rel":"","context":"In &quot;HR Newsletter&quot;","block_context":{"text":"HR Newsletter","link":"https:\/\/www.employco.com\/blog\/category\/employco-in-the-news\/hr-newsletter\/"},"img":{"alt_text":"Legal Update: Florida","src":"https:\/\/i0.wp.com\/www.employco.com\/images\/newsletter\/HR\/Blog\/June2023_Legal-Update-Florida-PDF.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.employco.com\/images\/newsletter\/HR\/Blog\/June2023_Legal-Update-Florida-PDF.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.employco.com\/images\/newsletter\/HR\/Blog\/June2023_Legal-Update-Florida-PDF.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.employco.com\/images\/newsletter\/HR\/Blog\/June2023_Legal-Update-Florida-PDF.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.employco.com\/images\/newsletter\/HR\/Blog\/June2023_Legal-Update-Florida-PDF.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":4832,"url":"https:\/\/www.employco.com\/blog\/2023\/08\/28\/seminar-avoiding-hr-legal-problems-10-10-2023\/","url_meta":{"origin":4439,"position":5},"title":"FREE SEMINAR: Avoiding HR and Legal Problems","author":"Employco USA","date":"August 28, 2023","format":false,"excerpt":"Employco USA and Tuckey Law, in collaboration with Food Industry News, are providing a free HR and legal seminar for registered guests on Tuesday, October 10th at Employco's corporate office in Westmont, IL. 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