State retirement plan mandates, state by state
A growing number of states require employers without a retirement plan to enroll employees in a state-run IRA. Offering a qualified plan such as a 401(k) generally exempts you. Pick your state for its rules, deadlines, penalties and how to report an exemption.
CA
California
CalSavers
Live mandate
CO
Colorado
Colorado SecureSavings
Live mandate
CT
Connecticut
MyCTSavings
Live mandate
DE
Delaware
Delaware EARNS
Live mandate
HI
Hawaii
Hawaii Retirement Savings Program
Enacted not yet live
IL
Illinois
My Illinois Savings
Live mandate
ME
Maine
MERIT
Live mandate
MD
Maryland
MarylandSaves
Live mandate
MA
Massachusetts
CORE Plan
Voluntary
MN
Minnesota
Minnesota Secure Choice
Live mandate
MS
Mississippi
Mississippi Work and Save
Voluntary
MO
Missouri
Show-Me MyRetirement Savings Plan
Voluntary
NV
Nevada
NEST
Live mandate
NJ
New Jersey
RetireReady NJ
Live mandate
NM
New Mexico
Work and $ave IRA
Voluntary
NY
New York
New York Secure Choice
Live mandate
OR
Oregon
OregonSaves
Live mandate
RI
Rhode Island
RISavers
Live mandate
UT
Utah
Utah Savers
Voluntary
VT
Vermont
Vermont Saves
Live mandate
VA
Virginia
RetirePath Virginia
Live mandate
WA
Washington
Washington Saves
Enacted not yet live
States not listed have no state-run retirement program for private employers as of November 11, 2026. This is general information, not legal or tax advice.
