Integrate your state's auto-IRA program with Gusto

State auto-IRA programs were created to expand retirement savings access for workers while keeping program administration to a minimum for employers. They are state-sponsored retirement savings plans that require businesses to either offer a qualified retirement plan or facilitate the state’s savings program.

Your state will let you know if your company is required to register for a state’s auto-administered IRA program. If you have not been invited to enroll, no action is required.

If you’re notified to enroll by one of the below state programs, you’re eligible to integrate your company’s auto-IRA with Gusto to automate payroll deductions and streamline your plan administration. Vestwell and the state auto-IRA programs do not charge a fee for this integration or to administer the program. You can view registration requirements, upcoming deadlines, and exemption options directly on your state’s website.

These state programs can integrate with Gusto:

If your company registers for another state’s program not listed above, you can set up manual payroll deductions. Click here for more resources on each state with an auto-IRA program.

If your company is required to register for a state’s auto-administered IRA program, your state will notify you. If you have not been invited to enroll, no action is required.

Here’s what to do if your company is notified to register for your state’s program.

Register for your state program’s employer portal. Complete the onboarding steps to activate your company and add your employees to the program.
Employees are automatically enrolled with the policy’s default deduction after a 30-day waiting period. Employees can opt out at any time, including during the initial 30-day wait period, by signing in to their state’s employee portal.
Once your onboarding is complete, sign in to your state's employer portal to integrate the benefit with Gusto. Click your state for instructions:
Important: Until you see the deduction listed in your Gusto Benefits section as “Vestwell State IRA,” which will indicate your integration is complete, you must set up post-tax payroll deductions in Gusto and pay all employee and company contributions directly to the state via the employer portal. It can take 2–5 business days for the "Vestwell State IRA" to be added to your Benefits section in Gusto.
Once you see the “Vestwell State IRA” deduction set up in your Gusto account, remove the payroll deductions you set up in step 4. Vestwell will automatically add deductions to your Gusto payroll—if you do not remove the deduction you set up, employees will be deducted twice.
Employee deduction info is sent to Gusto four days before your first integrated payroll. Once you complete the integration connection steps and verify that deduction rates are set, the next time you run payroll, employee Roth IRA contributions are automatically deducted from payroll for eligible employees. Your company is responsible for paying all employee and company contributions directly to the state via the employer portal.

For program-related questions, contact your state’s service team—see the “Still need help?” section below.

Plan administration

Manage your plan in the state employer portal

Choose a link below to be taken to your state’s employer and employee portal:

Here’s what you can do in your portal:

Contributions: Once you run payroll, you can find a record of all contributions processed by pay date and employee on the Contributions tab.
Employees: Add or remove employees from the plan, view eligibility, and current contribution rates.
Manage your company’s pay groups and pay schedules.
Manage bank account information.

New hires

When you hire someone new who’s eligible for the program, add them directly to your state employer portal. The employee will be notified to enroll once they fulfill eligibility requirements, such as a new hire waiting period.

Each time a new employee is auto-enrolled in the program, opts in or out or changes their deduction rate, Gusto is automatically updated, usually within two business days.

Deduction changes

Employees must change their personal contributions directly in their state portal. Changes are automatically sent to Gusto in about 2 business days.

Employee enrollment

New hires and newly eligible employees are automatically enrolled with the policy’s default deduction after a 30-day wait period.

Employees can opt out at any time, including during the initial 30-day wait period.

Employees can opt out or change their deduction rate directly in their state’s Auto-IRA employee portal.

Employee deduction rate changes

To change an employee deduction rate, the employee must do so directly in the state’s employee portal. The change is automatically sent to the state employer portal and then to Gusto, usually within two business days of the change.

Troubleshoot payroll deductions

Missing payroll deductions

There are a few reasons why there may not be Roth IRA deductions on a payroll:

Your integration may not have started yet—check if you have the “Vestwell State IRA” deduction set up in the Benefits section of your Gusto account.
The employee may not yet be eligible to enroll per your plan's eligibility rules.
Your company may have run payroll before the enrollment or deduction change was processed. If an employee wants to correct for missed deductions, they can increase their contribution rate in the state employee portal.
Taxes are applied before deductions. The employee may have had $0 in net pay after taxes.
The employee may have reached the IRS annual contribution limit.

More info about retirement savings mandates by state

Set up auto-IRA deductions in Gusto for applicable states using the instructions above. If your company registers for another state’s program, you can set up manual payroll deductions.

The table below gives you a quick breakdown of current state programs and resources where you can learn more about them.

Last updated July 2, 2025

State	Plan name and website	Program requirement Employers with...	Additional info
California	CalSavers	1 or more employees	Employer FAQs
Colorado	Colorado Secure Savings Program	5 or more employees	Employer FAQs
Connecticut	MyCTSavings	5 or more employees	Employer resources and portal help center
Delaware	Delaware EARNS	5 or more employees	Employer resources and portal help center
Hawaii	Hawaii's Retirement Savings Program	1 or more employees	HRSP phone: (808) 586-8846
Illinois	Illinois Secure Choice	5 or more employees	Employer overview Materials for employers
Maine	Maine Retirement Investment Trust	1 employee or more	Employer overview Employer resources
Maryland	MarylandSaves	5 or more employees	Employer overview Employer resources
Massachusetts	Massachusetts Retirement Savings Plan Office of Economic Empowerment	501(c) organizations with 20 or fewer employees
Minnesota	Minnesota Secure Choice Retirement Program	5 or more employees	Employer overview FAQs
Missouri	Show-Me MyRetirement Savings Plan This is a 401(k) Multiple EmployerPlan (MEP)	50 or fewer employees
Nevada	Nevada Employee Savings Trust (NEST)	More than 5 employees	Overview FAQs
New Jersey	RetireReady NJ	25 or more employees	Employer overview FAQs and portal help
New York* *Upcoming, but not in effect yet	New York State Secure Choice Savings Program	10 or more employees	Get email updates about the program
Oregon	OregonSaves	1 or more employees	Employer overview Program details Other resources
Rhode Island	RISavers	5 or more employees: Required if no existing and qualifying retirement plan. Fewer than 5 employees: Optional.	Employer FAQs Employee FAQs
Vermont	Vermont Saves	5 or more employees	Employer fact sheet Employee fact sheet
Virginia	RetirePath Virginia	25 or more employees	Employer FAQs
Washington* *Due to launch on July 1, 2027, but could be phased in	Washington Saves	Employees need to have worked a combined minimum of 10,400 hours during the previous calendar year	Employer fact sheet Employee fact sheet

Need more help?

Contact your state's service team: