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The State of America's Small Business Retirement Readiness in 2025

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Key Takeaways
  • Most small business employers say a retirement plan is essential for attracting and retaining talent, yet only about 30% feel fully prepared for SECURE 2.0 and state mandate requirements.
  • The biggest gaps are clarity around evolving compliance requirements and predictable plan costs, both of which can be addressed with the right provider and proactive plan review.

The retirement landscape is changing, and many employers aren’t keeping up with all the new rules and rising employee expectations. But inside the data is a huge opportunity to strengthen benefits, boost retention, take advantage of tax savings, and help employees feel more secure.

Here’s what our latest research reveals:

Infographic on small business retirement readiness in 2025 with key statistics on preparedness and gaps.
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Overview

Man with curly hair and beard writing in a notebook at a kitchen table with papers spread out.

The retirement landscape is changing, and many employers aren’t keeping up with all the new rules and rising employee expectations. But inside the data is a huge opportunity to strengthen benefits, boost retention, take advantage of tax savings, and help employees feel more secure.

Here’s what our latest research reveals:

Infographic on small business retirement readiness in 2025 with key statistics on preparedness and gaps.
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Overview

The retirement landscape is changing, and many employers aren’t keeping up with all the new rules and rising employee expectations. But inside the data is a huge opportunity to strengthen benefits, boost retention, take advantage of tax savings, and help employees feel more secure.

Here’s what our latest research reveals:

Infographic on small business retirement readiness in 2025 with key statistics on preparedness and gaps.
Get your guide
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The State of America’s Small Business Retirement Readiness in 2025 Report

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