Legislation

Find and select your state on the map to learn how your business can comply with state laws.
Mandate active
Mandate proposed
No mandate
Alabama
There are no active or pending mandates requiring companies to offer a retirement plan.
Regardless, we recommend getting a retirement plan to secure the financial future of you and your employees
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Alaska
There is pending legislation that may someday require certain companies to offer a retirement plan. This proposed mandate is not yet active.
Regardless, we recommend getting a retirement plan to secure the financial future of you and your employees
Get Started with Ubiquity
Arizona
There is pending legislation that may someday require certain companies to offer a retirement plan. This proposed mandate is not yet active.
Regardless, we recommend getting a retirement plan to secure the financial future of you and your employees
Get Started with Ubiquity
Arkansas
There is pending legislation that may someday require certain companies to offer a retirement plan. This proposed mandate is not yet active.
Regardless, we recommend getting a retirement plan to secure the financial future of you and your employees
Get Started with Ubiquity
California
Companies with 1-4 employees are mandated to offer an IRA or 401(k) plan.  Enroll by December 31, 2025 to avoid penalties.
Mandate details
Penalties
Employers will incur a penalty of $250 per eligible employee for noncompliance that lasts 90 days or more beyond the issued notice. Should noncompliance continue for 180 days or more after the notice, an additional penalty of $500 per eligible employee will be imposed.
Companies that must comply
All companies that have a headcount of 1-4 employees (including founders and owners) must comply.
State-sponsored program
CalSavers
Colorado
Companies with 5-14 employees are mandated to offer an IRA or 401(k) plan.  Enroll by June 20, 2023 to avoid penalties.
Mandate details
Penalties
Eligible employees may be subject to fines of up to $100 annually, with a maximum of $5,000 in fines across all employees per calendar year. Penalty enforcement will commence no earlier than one year after the program starts or one year after an employer is required to participate, whichever is later.
Companies that must comply
Companies with a headcount of 5-14 (including founders and owners)
State-sponsored program
Colorado Secure Savings Program
Connecticut
Companies of all sizes are mandated to offer an IRA or 401(k) plan.  Enroll by August 31, 2023 to avoid penalties.
Mandate details
Penalties
Under HB 6552, which was approved with an 88-61 vote, the state Comptroller’s office has the authority to impose fines ranging from $500 to $1,500 on businesses that do not comply with the MyCTSavings program requirements.
Companies that must comply
Companies of all sizes
State-sponsored program
MyCTSavings
Delaware
There has been passed legislation with company requirements to be determined.
Mandate details
Penalties
Any business that does not comply will be subject to a penalty of $250 per employee annually, with a maximum penalty of $5,000 per year.
Companies that must comply
TBD
State-sponsored program
Delaware Expanding Access for Retirement and Necessary Saving (EARNS)
District of Columbia
There is pending legislation that may someday require certain companies to offer a retirement plan. This proposed mandate is not yet active.
Regardless, we recommend getting a retirement plan to secure the financial future of you and your employees
Get Started with Ubiquity
Florida
There are no active or pending mandates requiring companies to offer a retirement plan.
Regardless, we recommend getting a retirement plan to secure the financial future of you and your employees
Get Started with Ubiquity
Georgia
There is pending legislation that may someday require certain companies to offer a retirement plan. This proposed mandate is not yet active.
Regardless, we recommend getting a retirement plan to secure the financial future of you and your employees
Get Started with Ubiquity
Hawaii
There has been passed legislation with company requirements to be determined.
Mandate details
Penalties
A penalty of $25 will be imposed for each month a covered employee is not enrolled in the program, increasing to $50 for each month they remain unenrolled following the assessment of the initial penalty.
Companies that must comply
TBD
State-sponsored program
Hawaii Saves
Idaho
There is pending legislation that may someday require certain companies to offer a retirement plan. This proposed mandate is not yet active.
Regardless, we recommend getting a retirement plan to secure the financial future of you and your employees
Get Started with Ubiquity
Illinois
Companies with 5-15 employees are mandated to offer an IRA or 401(k) plan.  Enroll by November 1, 2023 to avoid penalties.
Mandate details
Penalties
The penalty for the first year of non-compliance is $250 per eligible employee. For each subsequent year, the penalty increases to $500 per eligible employee.
Companies that must comply
All companies that have a headcount of 5-15 employees (including founders and owners) must comply.
State-sponsored program
Illinois Secure Choice
Indiana
There is pending legislation that may someday require certain companies to offer a retirement plan. This proposed mandate is not yet active.
Regardless, we recommend getting a retirement plan to secure the financial future of you and your employees
Get Started with Ubiquity
Iowa
There is pending legislation that may someday require certain companies to offer a retirement plan. This proposed mandate is not yet active.
Regardless, we recommend getting a retirement plan to secure the financial future of you and your employees
Get Started with Ubiquity
Kansas
There is pending legislation that may someday require certain companies to offer a retirement plan. This proposed mandate is not yet active.
Regardless, we recommend getting a retirement plan to secure the financial future of you and your employees
Get Started with Ubiquity
Kentucky
There is pending legislation that may someday require certain companies to offer a retirement plan. This proposed mandate is not yet active.
Regardless, we recommend getting a retirement plan to secure the financial future of you and your employees
Get Started with Ubiquity
Louisiana
There is pending legislation that may someday require certain companies to offer a retirement plan. This proposed mandate is not yet active.
Regardless, we recommend getting a retirement plan to secure the financial future of you and your employees
Get Started with Ubiquity
Maine
Companies with 5 or more employees are mandated to offer an IRA or 401(k) plan.  Enroll by April 1, 2024 to avoid penalties.
Mandate details
Penalties
Under the current law, the deadline and maximum penalty per covered employee are as follows: before April 1, 2024, the penalty is $10; from April 1, 2024, to March 31, 2025, it is $20; and from April 1, 2025, to September 30, 2026, the penalty increases to $50.
Companies that must comply
Companies with a headcount of 5 or more.
State-sponsored program
MERIT
Maryland
Companies are mandated to offer an IRA or 401(k) plan.
Mandate details
Penalties
No penalties
Companies that must comply
None (All Deadlines Passed)
State-sponsored program
Maryland Small Business Retirement Savings Program
Massachusetts
Companies can voluntarily offer an IRA or 401(k) plan.
Mandate details
Penalties
None
Companies that must comply
For Non-Profits
State-sponsored program
Massachusetts Defined Contribution CORE Plan
Michigan
There is pending legislation that may someday require certain companies to offer a retirement plan. This proposed mandate is not yet active.
Regardless, we recommend getting a retirement plan to secure the financial future of you and your employees
Get Started with Ubiquity
Minnesota
Companies are mandated to offer an IRA or 401(k) plan.
Mandate details
Penalties
TBD
Companies that must comply
TBD
State-sponsored program
Minnesota Secure Choice Retirement Program
Mississippi
There are no active or pending mandates requiring companies to offer a retirement plan.
Regardless, we recommend getting a retirement plan to secure the financial future of you and your employees
Get Started with Ubiquity
Missouri
Companies can voluntarily offer an IRA or 401(k) plan.
Mandate details
Penalties
No penalties
Companies that must comply
N/A
State-sponsored program
Show-Me MyRetirement Savings Plan
Montana
There is pending legislation that may someday require certain companies to offer a retirement plan. This proposed mandate is not yet active.
Regardless, we recommend getting a retirement plan to secure the financial future of you and your employees
Get Started with Ubiquity
Nebraska
There is pending legislation that may someday require certain companies to offer a retirement plan. This proposed mandate is not yet active.
Regardless, we recommend getting a retirement plan to secure the financial future of you and your employees
Get Started with Ubiquity
Nevada
All companies are required to offer an IRA or 401(k) plan with deadlines ranging based on company size.
Mandate details
Penalties
No penalties
Companies that must comply
All companies must comply with deadlines ranging based on size.

July 1, 2025: 1000 or more
Jan 1, 2026: 500 - 999
July 1, 2026: 100 - 499
Jan 1, 2027: 99 or less
State-sponsored program
Employee Savings Trust Program
New Hampshire
There is pending legislation that may someday require certain companies to offer a retirement plan. This proposed mandate is not yet active.
Regardless, we recommend getting a retirement plan to secure the financial future of you and your employees
Get Started with Ubiquity
New Jersey
Companies are required to offer an IRA or 401(k) plan.
Mandate details
Penalties
Penalties for each year of non-compliance are as follows: a written warning for the first year; $100 per employee for the second year; $250 per employee for the third and fourth years; and $500 per employee from the fifth year onward.
Companies that must comply
TBD
State-sponsored program
New Jersey Secure Choice Savings
New Mexico
Companies can voluntarily offer an IRA or 401(k) plan.
Mandate details
Penalties
No penalties
Companies that must comply
N/A
State-sponsored program
New Mexico Work and Save
New York
Companies are required to offer an IRA or 401(k) plan.
Mandate details
Penalties
Non-compliance with this legislation could lead to a civil penalty of $250 per eligible employee.
Companies that must comply
TBD
State-sponsored program
New York Secure Choice Savings
North Carolina
There is pending legislation that may someday require certain companies to offer a retirement plan. This proposed mandate is not yet active.
Regardless, we recommend getting a retirement plan to secure the financial future of you and your employees
Get Started with Ubiquity
North Dakota
There is pending legislation that may someday require certain companies to offer a retirement plan. This proposed mandate is not yet active.
Regardless, we recommend getting a retirement plan to secure the financial future of you and your employees
Get Started with Ubiquity
Ohio
There is pending legislation that may someday require certain companies to offer a retirement plan. This proposed mandate is not yet active.
Regardless, we recommend getting a retirement plan to secure the financial future of you and your employees
Get Started with Ubiquity
Oklahoma
There is pending legislation that may someday require certain companies to offer a retirement plan. This proposed mandate is not yet active.
Regardless, we recommend getting a retirement plan to secure the financial future of you and your employees
Get Started with Ubiquity
Oregon
Companies with 1-2 employees are mandated to offer an IRA or 401(k) plan.  Enroll by July 31,2023 to avoid penalties.
Mandate details
Penalties
Employers who do not sponsor a retirement plan or participate in the state-mandated program by the designated deadline may be subject to a penalty of $100 per affected employee. The total maximum fine per year is $5,000.
Companies that must comply
1 - 2 Employees
State-sponsored program
OregonSaves
Pennsylvania
There is pending legislation that may someday require certain companies to offer a retirement plan. This proposed mandate is not yet active.
Regardless, we recommend getting a retirement plan to secure the financial future of you and your employees
Get Started with Ubiquity
Rhode Island
There is pending legislation that may someday require certain companies to offer a retirement plan. This proposed mandate is not yet active.
Regardless, we recommend getting a retirement plan to secure the financial future of you and your employees
Get Started with Ubiquity
South Carolina
There is pending legislation that may someday require certain companies to offer a retirement plan. This proposed mandate is not yet active.
Regardless, we recommend getting a retirement plan to secure the financial future of you and your employees
Get Started with Ubiquity
South Dakota
There are no active or pending mandates requiring companies to offer a retirement plan.
Regardless, we recommend getting a retirement plan to secure the financial future of you and your employees
Get Started with Ubiquity
Tennessee
There is pending legislation that may someday require certain companies to offer a retirement plan. This proposed mandate is not yet active.
Regardless, we recommend getting a retirement plan to secure the financial future of you and your employees
Get Started with Ubiquity
Texas
There is pending legislation that may someday require certain companies to offer a retirement plan. This proposed mandate is not yet active.
Regardless, we recommend getting a retirement plan to secure the financial future of you and your employees
Get Started with Ubiquity
Utah
There is pending legislation that may someday require certain companies to offer a retirement plan. This proposed mandate is not yet active.
Regardless, we recommend getting a retirement plan to secure the financial future of you and your employees
Get Started with Ubiquity
Vermont
All companies are required to offer an IRA or 401(k) plan with deadlines ranging based on company size.
Mandate details
Penalties
25 or More
Deadline and maximum penalty per covered employee are as follows: $10 before October 1, 2025; $20 from October 1, 2025, to September 30, 2026; and $75 starting on October 1, 2026.

15 to 24
The deadline and maximum penalty per covered employee are structured as follows: $10 before October 1, 2025; $20 from October 1, 2025, to September 30, 2026; and $75 on or after October 1, 2026.

5 to 14
The schedule for the maximum penalty per covered employee is as follows: $10 until October 1, 2025; $20 from October 1, 2025, through September 30, 2026; and $75 beginning October 1, 2026.
Companies that must comply
July 1, 2025: 25 or more
Jan 1, 2026: 15 to 24
July 1, 2026: 5 to 14
State-sponsored program
VTSaves
Virginia
Companies with 25 or more employees are mandated to offer an IRA or 401(k) plan.  Enroll by February 15, 2024 to avoid penalties.
Mandate details
Penalties
Employers who fail to provide retirement options for their employees are subject to an annual penalty of $200 per eligible employee.
Companies that must comply
All companies that have a headcount of 25 or more employees must comply.
State-sponsored program
RetirePath Virginia
Washington
Companies must offer a retirement plan.  There is no deadline
Mandate details
Penalties
No penalties
Companies that must comply
No specifications
State-sponsored program
Washington Small Business Retirement Marketplace
West Virginia
There is pending legislation that may someday require certain companies to offer a retirement plan. This proposed mandate is not yet active.
Regardless, we recommend getting a retirement plan to secure the financial future of you and your employees
Get Started with Ubiquity
Wisconsin
There is pending legislation that may someday require certain companies to offer a retirement plan. This proposed mandate is not yet active.
Regardless, we recommend getting a retirement plan to secure the financial future of you and your employees
Get Started with Ubiquity
Wyoming
There is pending legislation that may someday require certain companies to offer a retirement plan. This proposed mandate is not yet active.
Regardless, we recommend getting a retirement plan to secure the financial future of you and your employees
Get Started with Ubiquity
Does your state require you to offer a retirement plan?
Click any state on the map to learn about its retirement legislation

Why choose a Ubiquity plan instead of a state-run option

Higher contribution amounts

Our 401(k) solutions 100% comply with every state’s mandate requirements while offering higher contribution amounts than IRAs.

More tax credits available

Save more in personal and business taxes than any state plan while lowering taxable income.

Streamlined payroll integrations

Automated plan administration can save time and prevent stress.

Transparent low costs

Offers transparent low cost fees that won't increase as your retirement balance grows.

More protection

Our plans aren’t tied to any state government, so you have peace of mind with a private provider.

Customizable vesting schedule

Choose when you'd like employer contributions to vest, enabling you further customization in your plan.

Want to talk to a retirement expert? Get a free consultation
Want to talk to a retirement expert? Get a free consultation

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