From Philly and the Pa. suburbs to South Jersey and Delaware, what would you like WHYY News to cover? Let us know!
All registered voters in Philadelphia can weigh in on two ballot questions for the May 19 primary election.
Pennsylvania has closed primaries, meaning registered Democrats and Republicans can cast a ballot only for races within their party. Ballot questions, however, are open to all voters, regardless of party affiliation.
This election cycle, Philadelphia has two questions on the ballot. Here’s what you need to know.
Ballot Question 1
Question text
Shall the Philadelphia Home Rule Charter be amended to provide for the creation of the Philadelphia Retirement Savings Board to oversee a defined contribution retirement program for the benefit of eligible private-sector workers, and to authorize City Council to determine the composition, powers and duties of the board?
Ballot statement
The City’s Home Rule Charter sets up the framework of City government. The Charter is the City’s constitution.
A “yes” vote means you approve the creation of the Philadelphia Retirement Savings Board as an independent board within the City’s government. The Board would oversee creation and administration of a retirement program for certain eligible workers whose employers do not offer them a retirement plan. Contributions to the plan would only come from the participating workers. Details of the retirement program may be established by ordinance.
What’s the context?
In 2016, Mayor Cherelle Parker, at the time a city council member, proposed a task force to explore the possibility of launching a city-supervised retirement savings plan. A study had revealed that Philadelphians on average weren’t saving enough for retirement.
Out of that came the proposal for the Philly Saves program. If the ballot question is approved, amending the city’s Home Rule Charter to create the Philadelphia Retirement Savings Board, that board will implement and facilitate the Philly Saves program.
Under Philly Saves, workers in the city whose employers do not offer a retirement savings plan will automatically be enrolled, with 3%-6% of their paycheck going into a city-sponsored individual retirement account, or IRA. Philadelphians will have the option to opt out or adjust their contribution levels.
Philadelphia would become the first city in the U.S. to offer its own retirement savings plan, joining 17 states, including New Jersey, that have already implemented similar programs.
According to an August 2025 study from the Pew Charitable Trusts, 35% of older Philadelphians have incomes that either fall below or just above $14,330 per year, the Census Bureau’s poverty threshold. The report found that older Philadelphians are struggling more financially compared to their counterparts across the nation and in other cities, with a median household income level of $39,412.
Older households relied on wages for 35.6% of their income, with retirement funds — not Social Security — representing just 21.3%.
The number of seniors in Philadelphia who are either keeping their jobs past age 65 or returning to the workforce is also on the rise, research by the same organization found.