Setup My Account

Determine Eligibility

You are likely eligible for Illinois Secure Choice if you meet all of the following requirements:

  • 18 or older
  • Employed in the state of Illinois
  • Not currently offered an employer-sponsored retirement plan at work
  • 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.

Account Set Up

You’ll receive a notification from Illinois Secure Choice approximately 30 days before you are automatically enrolled in the program and payroll deductions begin. Once you receive the notification, you can either set up your account or opt out.

What you need to register
  • Illinois Secure Choice access code from your notification
  • Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)
  • Date of birth
  • ZIP code
What can I do with my account?

Once you have set up your account by verifying your contact information and signing all account documents, you are able to

  • Designate beneficiaries (who will inherit your Roth IRA in the event of your death)
  • Change your contribution rate
  • Change your investment choices

What If I Don’t Do Anything?

If you choose not to set up your account or opt out, you will start saving automatically after 30 days with the standard savings elections:

  • 5% of your gross income (wages before taxes and other deductions) earned with your facilitating employer
  • Contributions made in the first 90 days will be invested in the 90 Day Holding Vehicle and then exchanged to a default target date fund based on your age

Opting Out

You can opt out of participating in Illinois Secure Choice at any time. If you opt out before the end of the 30-day notification period, no payroll deductions will be made on your behalf and your Roth IRA will not be activated. You can rejoin the program and begin contributing to your account at any time by contacting our Client Service Team.

Considerations before opting out

Before you opt out entirely, consider saving with a lower contribution rate. This way, less money will be deducted from your paycheck, but you’ll still be contributing toward your future.

Discover a savings rate that works for you.

I originally enrolled, but now I want out

You can choose to stop participating at any time, which will stop money from being taken out of your paycheck. You can leave the money in your account, transfer or roll it over to another Roth IRA, or request a distribution. Keep in mind, requesting a distribution may be result in taxes and penalties.

I originally opted out, but now I want to enroll

If you chose not to participate before your Roth IRA was set up, you can enroll at any time by contacting our Client Service team.

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.