Bills · HR 6685
IN COMMITTEE· 119TH CONGRESS
House BillHR 6685Taxation
To amend the Internal Revenue Code of 1986 to establish an exception for multiemployer plan participants to the requirements for automatic enrollment.
INTRO DEC 12· LAST ACTION DEC 12
READING
1MIN
COSPONSORS
17BIPARTISAN
READER REACTIONS0 TOTAL
NO VOTES YET · BE THE FIRST
- Introduced only
LEGISLATIVE PROGRESS
STEP 2 / 8Introduced
In Committee
Reported
Passed House
Passed Senate
Conference
To President
Became Law
WHAT THE BILL DOES
AI-writtenThis bill matters because it could change how easily and widely people save for retirement in specific industries. Automatic enrollment has been shown to significantly increase the number of people who save for retirement because it removes the barrier of having to make an active decision to join a plan. If this bill passes, workers in multiemployer plans would lose that automatic nudge towards saving.
For some, this means they might save less or not at all if they don't actively opt-in. For multiemployer plans, it would reduce the administrative burden associated with setting up and managing automatic enrollment systems. The bill presents a trade-off between potentially lower administrative costs for plan providers and potentially lower retirement savings participation among workers.
KEY PROVISIONS
3AI-extractedPROVISION 01
Amends Section 414A(c)(3) of the Internal Revenue Code of 1986 to include multiemployer plans in the list of exemptions from automatic enrollment requirements.
This is the central action of the bill, removing the requirement for multiemployer plans to automatically enroll participants.
PROVISION 02
Changes the heading of the relevant section in the tax code to explicitly mention "multiemployer plans" alongside "church plans" as exceptions.
This clarifies the legislative intent and updates the legal framework to reflect the new exemption.
PROVISION 03
Sets an effective date for the amendments to apply to taxable years beginning after December 31, 2024.
This provision establishes when the new rule would begin to take effect, giving plans time to adjust.
SPONSORSHIP
1 + 17
R· Minnesota
YRS IN OFFICE
4
BILLS LED
35
COSPONSOR BREAKDOWNBIPARTISAN · 94%
DEM 8 REP 9 IND 0
ACTION TIMELINE
2 EVENTSDEC 12
Introduced in House
DEC 12
Referred to the House Committee on Ways and Means.
BILL INFO
TypeHouse Bill
NumberHR 6685
Congress119th
StatusIn Committee
IntroducedDec 12, 2025
Last actionDec 12, 2025
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IN COMMITTEE· 119TH CONGRESS · WAYS AND MEANS COMMITTEE · INTRODUCED DEC 12, 2025
House BillHR 6685Taxation
To amend the Internal Revenue Code of 1986 to establish an exception for multiemployer plan participants to the requirements for automatic enrollment.
INTRODUCED DEC 12, 2025· LAST ACTION DEC 12, 2025
PASSAGE CHANCES
—%
READING
1 min
COSPONSORS
17
COMPLEXITY
Moderate
