The 401(k) is thought to be the most well known retirement savings plan in the U.S., but tens of millions of American workers still don’t have access to them, according to a report by the American Retirement Association (ARA).

More than five million U.S. employers don’t offer a workplace retirement savings benefit, decades after the 401(k) plan design was first introduced, according to the state-by-state analysis.

But the SECURE Act, which was overwhelmingly passed by a 417 to 3 margin in the U.S. House of Representatives, will change that. The bipartisan package is designed to help small businesses offer a retirement savings plan—and give more working Americans the opportunity to save for retirement, according to the report.

The measure, as explained by the ARA, will help employers provide access to the benefit by significantly increasing the employer tax credit for starting a new retirement plan from the current cap of $500 to $5,000; allowing employers to join a pooled employer plan, potentially lowering plan costs and administrative burdens; and helping ensure more part-time employees can contribute to an employer-provided retirement plan.

In related news, the Wall Street Journal reported that the U.S. Labor Department is expected to issue rules shortly that would make it easier for small businesss to work together to offer retirement accounts.

The ARA data showed that 78% of American workers who earn between $30,000 and $50,000 a year take advantage of 401(k) plans when they're available. And more than 80 million Americans are already participating in a retirement plan where they work.

The data also indicated that workers who earn between $30,000 and $50,000 a year are 12 times more likely to save at work than on their own. But more than 28 million full-time workers don’t have an opportunity to save for retirement in a 401(k)—and that doesn’t include more than 23 million part-time workers who don’t have access to 401(k)s, the ARA noted.

“The SECURE Act can give millions more Americans the opportunity to save for retirement,” Will Hansen, chief government affairs officer for the American Retirement Association, said in a prepared statement. “We encourage the U.S. Senate to act promptly on this important legislation. It’s time that every working American had the opportunity that millions already do.”