Retirement savings mandates by state

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

Q: How do mandates apply to companies with employees in multiple states?

A: A few things to consider:

• Employers must enroll employees in a retirement plan if they live in a state with a mandate and meet the size requirement.
• Out-of-state employees cannot join another state’s plan (e.g., Oregon employees can’t join California’s CALSavers plan).
• To meet all state rules, employers can offer a 401k plan through providers like Guideline.

Q: Who counts as an "employee"? Only full-time or W-2 workers?

A: Double-check your state's program.

• Most states require all W-2 employees to be offered a plan. Virginia is the only state that excludes part-time employees (working fewer than 30 hours/week).
• 1099 contractors are not included in the mandates.

Q: I just started my business. When do I need to follow the rules?

A: It depends—check your state’s program for details.

• If your state’s plan hasn’t launched yet, you usually have 2 years before the rules apply.
• If the plan is already active and the deadline for your company size has passed, you usually have until the end of the next calendar year to comply.

Q: What if I hire more employees during the year? When do I need to comply?

A: If you add enough employees to meet the mandate, you typically have until the end of the next calendar year to follow the rules. Check your state’s plan for specifics.

Q: What type of retirement plans do states offer?

A: Most state plans are Roth IRAs, which are funded with after-tax contributions. Contribution limits update annually.

• No employer contributions are allowed for Roth IRAs.
• Roth IRAs have lower limits than 401ks ($7,000 vs. $24,000 in 2024).
• Employees are responsible for checking if they qualify after enrolling.