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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:

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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:

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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:

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Relevant resources

View all articles

Secure 2.0 Mandatory Roth Contributions Update: Here’s What to Know for 2026

The Small Business Owner’s Guide to State-Mandated Retirement Plans

The State of America’s Small Business Retirement Readiness in 2025 Report

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