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SECURE 2.0: What provisions will most employers be adopting in 2025?

Only 5% of employers allow student loan matching in their 401(k)s, but prevalence is expected to increase in 2025, while there is minimal interest among employers in the $2,500 emergency savings option, according to a new Alight survey.

By Lynn Cavanaugh | January 08, 2025 at 12:30 AM

New year. This means new SECURE 2.0 provisions kick in for employers – some are mandatory, some are optional. Employers have been selectively adopting optional provisions of SECURE 2.0, according to Alight’s 2025 Hot Topics in Retirement and Financial Wellbeing report.

Many plan sponsors have already adopted hardship withdrawals (available for employees’ medical expenses, purchase of a home, funeral expenses, etc.) and raised the IRA force-out limit to $7,000. There is also significant interest from others in incorporating these changes in 2025. Conversely, there is minimal interest among employers in the $2,500 sidecar emergency savings option.

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