See what your state requires, what ignoring it really costs, and how your own plan can come in below the penalty — with federal tax credits on top.
Pick your state and headcount for your real exposure — data verified against each state's own statute.
Informational only, not legal or tax advice.
Get your full breakdown + a private-plan savings estimate:
| State | Program | Threshold | Next deadline | Penalty |
|---|---|---|---|---|
| California | CalSavers | 1+ employees | All announced deadlines passed | Escalating, up to $500 per employee/yr |
| Colorado | Colorado SecureSavings | 5+ employees | All announced deadlines passed | Up to $100 per employee/yr (cap $5,000) |
| Connecticut | MyCTSavings | 5+ employees | All announced deadlines passed | $500–$1,500 per company/yr |
| Delaware | Delaware EARNS | 5+ employees | All announced deadlines passed | Up to $250 per employee/yr (cap $5,000) |
| Hawaii | Hawaii Retirement Savings Program | 1+ employees | Not launched yet | Set in law; not enforceable before launch |
| Illinois | My Illinois Savings | 5+ employees | November 1, 2026 (Newly eligible employers) | Escalating, up to $500 per employee/yr |
| Maine | MERIT | 5+ employees | All announced deadlines passed | Escalating, up to $100 per employee/yr |
| Maryland | MarylandSaves | 1+ employees | December 31, 2026 (2027 fee-waiver claim) | No monetary penalty |
| Minnesota | Minnesota Secure Choice | 5+ employees | December 31, 2026 (50–99 employees) | Escalating, up to $500 per employee/yr |
| Nevada | Nevada Employee Savings Trust | 6+ employees | All announced deadlines passed | No monetary penalty |
| New Jersey | RetireReady NJ | 10+ employees | December 1, 2026 (20–24 employees) | Escalating, up to $500 per employee/yr |
| New York | NY Secure Choice | 10+ employees | All announced deadlines passed | No monetary penalty |
| Oregon | OregonSaves | 1+ employees | All announced deadlines passed | Up to $100 per employee/yr (cap $5,000) |
| Rhode Island | RISavers | 5+ employees | October 15, 2027 (50–99 employees) | Up to $250 per employee/yr |
| Vermont | Vermont Saves | 2+ employees | All announced deadlines passed | Escalating, up to $75 per employee/yr |
| Virginia | RetirePath Virginia | 5+ employees | October 30, 2026 (5–9 employees and new 25+ employers) | Up to $200 per employee/yr |
| Washington | Washington Saves | 10,400+ employee-hours/yr | July 1, 2027 (Program launch) | Enacted; not assessable before 2030 |
Thresholds, deadlines and penalties are checked against each state's statute and program site. Informational only, not legal or tax advice. Need a number for your headcount? Use the state retirement mandate penalty calculator.
Hourly teams, tight margins, no HR department. We handle the compliance so you can run the place.
Under SECURE 2.0, small employers starting a plan can claim credits toward setup and contributions. The amount depends on your size and phases out over the first years — we model your real number, not a headline.
See what you'd qualify forTwo clicks show what your state requires and what non-compliance costs.
We model the private-plan option with credits and give you the numbers. No obligation.
State plan or your own — we handle the paperwork and get you compliant before the deadline.
Every threshold and penalty is checked against the state's own law, and re-checked the moment it changes. When Virginia dropped from 25 to 5, we caught it.
A real credentialed specialist — not a call-center script.
Free audit, no obligation. If the state plan fits, we'll say so.
Your details are used to help you comply — full stop.
We handle the paperwork and get you set up in time.
Every audit is done by a credentialed benefits specialist who knows these state programs cold — because we track every one against the statute. No scripts, no pressure.
Every state's threshold, deadline, and penalty on one page, verified to the statute. Know exactly where you stand before you talk to anyone.
Book a free 15-minute compliance audit. We'll show your exact requirement, your real exposure, and whether your own plan saves you money.
Grab the free 2026 cheat-sheet: every state's threshold, deadline, and penalty on one page.