Providing Complete Information to Retirement Investors Act

This bill requires retirement plans to provide clear, standardized disclosures to participants before they use brokerage windows (self-directed investment options outside the plan's recommended choices). It mandates a 4-part notice explaining that non-designated investments aren't monitored by plan managers, may carry higher fees/risks, and includes a graph showing projected retirement balances at 4%, 6%, and 8% annual returns. The disclosure must be provided each time a participant directs funds into, out of, or within a brokerage window. The rule applies to pension plans with individual accounts and takes effect January 1, 2026. It directly affects retirement plan participants who choose investments outside the plan's designated options.