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H.R. 6685119th CongressIn committeeLatest action Dec 12, 2025Decoded by AI · checked against the record
Official title: To amend the Internal Revenue Code of 1986 to establish an exception for multiemployer plan participants to the requirements for automatic enrollment.
Introduced:
Read the official bill on Congress.govThe plain-language version leads. The official text is always the reference.
HR 6685 exempts multiemployer retirement plans from SECURE 2.0 auto-enrollment and auto-escalation rules starting in tax year 2025.
50-second read · 4 questions answered below
HR 6685 creates an exception to a SECURE 2.0 requirement that employer retirement plans automatically enroll new workers and automatically increase their contribution rates over time. The exception applies specifically to multiemployer plans, which are retirement plans jointly administered by a group of employers and a labor union. The change would take effect beginning with the 2025 tax year.
Workers covered by union-negotiated multiemployer retirement plans are most directly affected, as are the employers and unions that manage those plans. These workers are concentrated in industries such as construction, trucking, and entertainment, where union contracts govern retirement benefits.
Without this exception, multiemployer plans would be subject to the same automatic enrollment and contribution-escalation mandates as standard single-employer plans, which supporters argue are difficult to apply to plans governed by collective bargaining contracts. Workers in affected plans would not be automatically enrolled in savings programs under this rule, though unions could still negotiate enrollment terms through collective bargaining.
AI-drafted summary. Verify it against the official text before you act on it. Read the official bill on Congress.gov
Right now: a House committee is reviewing it. If the Senate changes it, it goes back to the House before reaching the President.
Latest action: — Referred to the House Committee on Ways and Means.