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:
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.