Welcome new savers!

Join us for an upcoming webinar to learn all about Illinois Secure Choice. In just 30 minutes we’ll explain how enrollment works, your retirement saving options, and how to manage your account. Find a live webinar or watch a recording.

Setup My Account

Program Details

Illinois Secure Choices is a simple way for you to save for retirement. You can enroll through your employer if they register for the program or you can sign yourself up today!

  • 18 or older
  • Employed in the state of Illinois
  • Full-time employee, part-time employee, or a business owner who is considered an employee

NOTE: Illinois Secure Choice accounts are Roth IRAs, and those with higher incomes may not be eligible to contribute. If you earn more than the Roth IRA income limits set by the federal government, you may need to opt out of Illinois Secure Choice. Learn more about contribution limits.

Illinois Secure Choice also offers a Traditional IRA option to savers who need to recharacterize their contributions. Contact client services to get the process started.

Understanding the Costs

You pay an Illinois Secure Choice administrative fee that’s necessary to cover the costs of the administration of the program and operating expenses. This fee is collected in the form of an annual asset-based fee of approximately 0.75%. This means you will pay approximately $0.75 (75 cents) per year for every $100 in your account.

Program Administrator Fee (State)

Program Administrator Fee (Administrator)

Underlying Fund Fee

Total Annualized Asset-Based Fee


The fee covers all administrative costs:

  • maintaining your account
  • oversight of the program’s investments
  • providing customer service
  • keeping records
  • online and phone services
  • operating expenses of the underlying investment funds in which the investment options are invested

You will not get a bill. This fee is computed daily and netted from the assets in an investment option. This means when investment returns are credited to your accounts, the fee is automatically deducted from the return to help pay for the administration of the program.