California Secure Choice

Making Workplace Retirement Savings
Possible for Millions of Californians



Are Workers of Color, Almost Half of Which Are Latinos

figure representing workers of color


Work for Small Businesses With Less Than 100 Employees

figure representing small business employees

In California Today

7.5 Million

Californians Work for
Employers Who Do Not
Offer a Retirement Plan


Secure Choice is Under Development

The most ambitious push to expand retirement security since the passage of Social Security in the 1930s became a reality on September 29, 2016 when Governor Jerry Brown signed Senate Bill 1234. The Secure Choice Board, chaired by Treasurer John Chiang, is in the midst of developing and implementing the Secure Choice retirement program. The Board anticipates the Program will open with a soft launch in summer or autumn of 2018 and officially open for statewide enrollment in early-2019.

Once Secure Choice is fully operational, employers with 5 or more employees that don't already provide a retirement plan will be required to either begin to offer a retirement plan of their choosing (no employer match necessary) or provide their employees access to Secure Choice:

  • Employers with more than 100 employees will need to offer a retirement plan or provide access to Secure Choice within 12 months after the Program is open for enrollment; Employers with more than 50 employees will need to offer a retirement plan or provide access to Secure Choice within 24 months after the Program is open for enrollment; and
  • Employers with more than 5 employees will need to offer a retirement plan or provide access to Secure Choice within 36 months after the Program is open for enrollment.

Employer Alert: The employer requirement will not go into effect for at least two years. Late 2019 is likely to be the earliest that large employers that do not offer a retirement plan to their employees will be required to provide access to Secure Choice. The requirement will be phased in over a three-year period as outlined above. Any information to the contrary is wrong. Please contact our office if you are told something different so we can correct the source by emailing

We want your input

The California Secure Choice Retirement Savings Program is developing regulations. The Program anticipates it will initiate the emergency rulemaking process by the end of 2017 or in January 2018. The draft regulations, a presentation on the draft regulations, and comments on draft regulations are included below:

Draft Regulations (updated 2/16/18)
Presentation on Draft Regulations (updated 2/16/18)
Comments on Draft Regulations


To promote greater retirement savings for California’s private-sector workers who currently lack access to employer-sponsored retirement plans by providing access to a voluntary, low-risk, low-cost, portable retirement savings plan that enables direct payroll contributions into a personal Individual Retirement Account (IRA) managed by a private-sector financial firm overseen by the Secure Choice Board.



To create a workplace retirement savings plan that is:

Safe, Simple, Portable