Adjusts qualification threshold for New Jersey Secure Choice Savings Program.

S 1828 adjusts New Jersey's Secure Choice Savings Program by lowering the employee threshold for employer participation. Previously, employers with fewer than 25 employees were exempt, but this bill removes that exemption, requiring all employers with at least one employee in New Jersey to offer the program if they don't provide a retirement plan. The bill directly affects small businesses (previously exempt) and requires them to automatically enroll eligible employees into the state-run retirement savings program via payroll deductions. Key mechanisms include eliminating the 25-employee minimum, mandating automatic enrollment (with opt-out options), and allowing employees to set contribution levels up to IRS-deductible limits.