Contact Congress about H.R. 4548: Small Nonprofit Retirement Security Act of 2025

Small nonprofits could get federal tax help to start retirement plans or add automatic enrollment. They would use the credit against Social Security payroll taxes, since many do not owe income tax.

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Small Nonprofit Retirement Security Act of 2025 is a House bill in committee. The latest recorded action: Referred to the House Committee on Ways and Means.

Latest action on H.R. 4548: Referred to the House Committee on Ways and Means.

Who this affects: This bill mainly affects small nonprofits and their workers. Small tax-exempt employers could get help paying for retirement plans. Workers at those groups could get more chances to save through an employer plan. Federal tax agencies and Social Security trust funds would also be affected because the credits would run through payroll taxes.

Why this matters: Many small nonprofits may want to offer retirement plans but struggle with the cost. This bill could lower that cost by giving them the same kind of federal help small businesses already get. It matters most for workers at nonprofits that do not now have strong retirement benefits. The size of the effect is unclear because the bill does not say how many groups would use the credits.

Key provisions in H.R. 4548

• Small tax-exempt employers could use the existing startup credit for retirement plans. They would claim it against the employer share of Social Security payroll taxes.
• Small tax-exempt employers could also use the existing credit for automatic enrollment. They would claim it through the same payroll tax process.
• The bill defines who qualifies. The employer must be a small eligible employer listed under section 501(c) of the tax code and exempt from tax under section 501(a).
• The yearly credit would have a limit. A nonprofit could claim only the smaller of its retirement credit amount or the Social Security payroll tax it paid that year.
• The total credit could not be bigger than the employer's Social Security tax on all workers' wages for that year.

How Modern Action helps you take action on H.R. 4548

You do not have to start with a blank letter. Modern Action turns the bill, your position, and the relevant congressional context into a message you can edit and send. The goal is to make contacting Congress clear, specific, and useful without forcing you to parse bill text or figure out the right office on your own.

Questions people ask about H.R. 4548

What is H.R. 4548?

Small nonprofits could get federal tax help to start retirement plans or add automatic enrollment. They would use the credit against Social Security payroll taxes, since many do not owe income tax.

How do I support or oppose H.R. 4548?

Choose support, oppose, or ask for changes on Modern Action. The action flow drafts the message for you and keeps the wording tied to this bill.

Who should I contact about H.R. 4548?

Modern Action uses your location to route the action to the congressional offices relevant to the bill and your representation.

Can Modern Action explain H.R. 4548 before I act?

Yes. Modern Action gives you a plain-English summary, current status, and action context before you send anything.