About 56 million Americans lack access to a workplace retirement plan in 2026. The Trump 401(k) plan aims to change that fast. President Donald Trump proposed a $1,000 federal retirement match for eligible workers. The plan targets low- and middle-income employees. It mirrors the federal Thrift Savings Plan model. Lawmakers may link it to Secure 2.0’s Saver’s Match. If approved, this could expand retirement savings access nationwide.