Does Your State Have A Mandatory Retirement Plan?

State Mandated Retirement Plans Map

Over 30 states have considered enacting state-mandated retirement plan legislation, with 14 states implementing those programs into law. Find your state on the map below to find out up to date information on how your small business can comply with the state law.

Active Program
Program in Progress
Proposed Legislation
No Legislation
Alaska <div class="heading-h5"> <img src="https://myubiquity.wpenginepowered.com/wp-content/themes/ubi/images/mandate-proposed-legislation.png" width="16" alt="" data-no-lazy="1"> Alaska </div> <a class="button w-button" href="/find-your-retirement-plan-v3c/" target="">Find Your Plan</a> Alabama <div class="heading-h5"> <img src="https://myubiquity.wpenginepowered.com/wp-content/themes/ubi/images/mandate-no-legislation.png" width="16" alt="" data-no-lazy="1"> Alabama </div> <p>No mandate planned for Alabama. Be competitive and offer one anyway.</p> <a class="button w-button" href="/find-your-retirement-plan-v3c/" target="">Find Your Plan</a> Arkansas <div class="heading-h5"> <img src="https://myubiquity.wpenginepowered.com/wp-content/themes/ubi/images/mandate-proposed-legislation.png" width="16" alt="" data-no-lazy="1"> Arkansas </div> <a class="button w-button" href="/find-your-retirement-plan-v3c/" target="">Find Your Plan</a> Arizona <div class="heading-h5"> <img src="https://myubiquity.wpenginepowered.com/wp-content/themes/ubi/images/mandate-proposed-legislation.png" width="16" alt="" data-no-lazy="1"> Arizona </div> <a class="button w-button" href="/find-your-retirement-plan-v3c/" target="">Find Your Plan</a> California <div class="heading-h5"> <img src="https://myubiquity.wpenginepowered.com/wp-content/themes/ubi/images/mandate-active-program.png" width="16" alt="" data-no-lazy="1"> California </div> <p class="no-b-margin"><strong>State-Run Option:</strong></p> <p><a href="https://www.myubiquity.com/site/california-401k/" target="_blank">CalSavers</a></p> <p class="no-b-margin"><strong>State Plan Type:</strong></p> <p>IRA</p> <p class="no-b-margin"><strong>Status:</strong></p> <p>CalSavers has staggered deadlines based on number of employees. The final deadline — for companies with five or more employees — passed on <b>June 30, 2022</b>.</p> <a class="button w-button" href="/site/california-401k/" target="">Get Started</a> Colorado <div class="heading-h5"> <img src="https://myubiquity.wpenginepowered.com/wp-content/themes/ubi/images/mandate-active-program.png" width="16" alt="" data-no-lazy="1"> Colorado </div> <p class="no-b-margin"><strong>State-Run Option:</strong></p> <p><a href="https://treasury.colorado.gov/colorado-secure-savings-program" target="_blank">Colorado Secure Savings Programs</a></p> <p class="no-b-margin"><strong>State Plan Type:</strong></p> <p>IRA</p> <p class="no-b-margin"><strong>Status:</strong></p> <p>The pilot program begins in October 2022; enrollment begins in 2023.</p> <a class="button w-button" href="/find-your-retirement-plan-v3c/" target="">Find Your Plan</a> Connecticut <div class="heading-h5"> <img src="https://myubiquity.wpenginepowered.com/wp-content/themes/ubi/images/mandate-active-program.png" width="16" alt="" data-no-lazy="1"> Connecticut </div> <p class="no-b-margin"><strong>State-Run Option:</strong></p> <p><a href="https://myctsavings.com/" target="_blank">MyCTSavings</a></p> <p class="no-b-margin"><strong>State Plan Type:</strong></p> <p>IRA</p> <p class="no-b-margin"><strong>Status:</strong></p> <p>Already live</p> <a class="button w-button" href="/401k/state-mandate/connecticut-retirement-mandate/" target="">Find Your Plan</a> Washington, D.C. <div class="heading-h5"> <img src="https://myubiquity.wpenginepowered.com/wp-content/themes/ubi/images/mandate-no-legislation.png" width="16" alt="" data-no-lazy="1"> Washington, D.C. </div> <p>No mandate planned for Washington, D.C.. Be competitive and offer one anyway.</p> <a class="button w-button" href="/find-your-retirement-plan-v3c/" target="">Find Your Plan</a> Delaware <div class="heading-h5"> <img src="https://myubiquity.wpenginepowered.com/wp-content/themes/ubi/images/mandate-program-in-progress.png" width="16" alt="" data-no-lazy="1"> Delaware </div> <a class="button w-button" href="/find-your-retirement-plan-v3c/" target="">Find Your Plan</a> Florida <div class="heading-h5"> <img src="https://myubiquity.wpenginepowered.com/wp-content/themes/ubi/images/mandate-no-legislation.png" width="16" alt="" data-no-lazy="1"> Florida </div> <p>No mandate planned for Florida. Be competitive and offer one anyway.</p> <a class="button w-button" href="/find-your-retirement-plan-v3c/" target="">Find Your Plan</a> Georgia <div class="heading-h5"> <img src="https://myubiquity.wpenginepowered.com/wp-content/themes/ubi/images/mandate-proposed-legislation.png" width="16" alt="" data-no-lazy="1"> Georgia </div> <a class="button w-button" href="/find-your-retirement-plan-v3c/" target="">Find Your Plan</a> Hawaii <div class="heading-h5"> <img src="https://myubiquity.wpenginepowered.com/wp-content/themes/ubi/images/mandate-program-in-progress.png" width="16" alt="" data-no-lazy="1"> Hawaii </div> <a class="button w-button" href="/find-your-retirement-plan-v3c/" target="">Find Your Plan</a> Iowa <div class="heading-h5"> <img src="https://myubiquity.wpenginepowered.com/wp-content/themes/ubi/images/mandate-proposed-legislation.png" width="16" alt="" data-no-lazy="1"> Iowa </div> <a class="button w-button" href="/find-your-retirement-plan-v3c/" target="">Find Your Plan</a> Idaho <div class="heading-h5"> <img src="https://myubiquity.wpenginepowered.com/wp-content/themes/ubi/images/mandate-proposed-legislation.png" width="16" alt="" data-no-lazy="1"> Idaho </div> <a class="button w-button" href="/find-your-retirement-plan-v3c/" target="">Find Your Plan</a> Illinois <div class="heading-h5"> <img src="https://myubiquity.wpenginepowered.com/wp-content/themes/ubi/images/mandate-active-program.png" width="16" alt="" data-no-lazy="1"> Illinois </div> <p class="no-b-margin"><strong>State-Run Option:</strong></p> <p><a href="https://www.myubiquity.com/site/illinois-401k/" target="_blank">Illinois Secure Choice Retirement Program</a></p> <p class="no-b-margin"><strong>State Plan Type:</strong></p> <p>Roth IRA</p> <p class="no-b-margin"><strong>Status:</strong></p> <p>Upcoming enrollment deadlines include:</p> <ul> <li><strong>November 1, 2022</strong>: Employers with 16-24 employees must start offering a retirement plan</li> <li><strong>November 1, 2023:</strong> Employers with 5-15 employees must start offering a retirement plan</li> </ul> <a class="button w-button" href="/site/illinois-401k/" target="">Get Started</a> Indiana <div class="heading-h5"> <img src="https://myubiquity.wpenginepowered.com/wp-content/themes/ubi/images/mandate-proposed-legislation.png" width="16" alt="" data-no-lazy="1"> Indiana </div> <a class="button w-button" href="/find-your-retirement-plan-v3c/" target="">Find Your Plan</a> Kansas <div class="heading-h5"> <img src="https://myubiquity.wpenginepowered.com/wp-content/themes/ubi/images/mandate-proposed-legislation.png" width="16" alt="" data-no-lazy="1"> Kansas </div> <a class="button w-button" href="/find-your-retirement-plan-v3c/" target="">Find Your Plan</a> Kentucky <div class="heading-h5"> <img src="https://myubiquity.wpenginepowered.com/wp-content/themes/ubi/images/mandate-proposed-legislation.png" width="16" alt="" data-no-lazy="1"> Kentucky </div> <a class="button w-button" href="/find-your-retirement-plan-v3c/" target="">Find Your Plan</a> Louisiana <div class="heading-h5"> <img src="https://myubiquity.wpenginepowered.com/wp-content/themes/ubi/images/mandate-proposed-legislation.png" width="16" alt="" data-no-lazy="1"> Louisiana </div> <a class="button w-button" href="/find-your-retirement-plan-v3c/" target="">Find Your Plan</a> Massachusetts <div class="heading-h5"> <img src="https://myubiquity.wpenginepowered.com/wp-content/themes/ubi/images/mandate-active-program.png" width="16" alt="" data-no-lazy="1"> Massachusetts </div> <p class="no-b-margin"><strong>State-Run Option:</strong></p> <p><a href="https://www.mass.gov/core-plan-for-nonprofits" target="_blank">CORE Plan</a></p> <p class="no-b-margin"><strong>State Plan Type:</strong></p> <p>Multiple Employer Plan (MEP), a tax deferred and post-tax 401(k) savings plan developed for employees of eligible small nonprofit organizations.</p> <p class="no-b-margin"><strong>Status:</strong></p> <p>Already live</p> <a class="button w-button" href="/find-your-retirement-plan-v3c/" target="">Find Your Plan</a> Maryland <div class="heading-h5"> <img src="https://myubiquity.wpenginepowered.com/wp-content/themes/ubi/images/mandate-active-program.png" width="16" alt="" data-no-lazy="1"> Maryland </div> <p class="no-b-margin"><strong>State-Run Option:</strong></p> <p><a href="https://www.marylandsaves.org/" target="_blank">Small Business Retirement Savings Program (Maryland $aves)</a></p> <p class="no-b-margin"><strong>State Plan Type:</strong></p> <p><span style="font-weight: 400;">IRA</span></p> <p class="no-b-margin"><strong>Status:</strong></p> <p>Comply by <strong>December 1, 2022</strong> to avoid the State of Maryland’s <strong>$300</strong> annual report filing fee for 2023.</p> <a class="button w-button" href="https://www.myubiquity.com/site/maryland-retirement-plans/" target="">Get Started</a> Maine <div class="heading-h5"> <img src="https://myubiquity.wpenginepowered.com/wp-content/themes/ubi/images/mandate-active-program.png" width="16" alt="" data-no-lazy="1"> Maine </div> <p class="no-b-margin"><strong>State-Run Option:</strong></p> <p><a href="http://www.mainelegislature.org/legis/bills/getPDF.asp?paper=SP0515&item=1&snum=130" target="_blank">Maine Retirement Savings ProgramMaine Retirement Savings Program</a></p> <p class="no-b-margin"><strong>State Plan Type:</strong></p> <p>Roth IRA</p> <p class="no-b-margin"><strong>Status:</strong></p> <p>Launching April 1, 2023, the program will be implemented in three phases, based on company size, with the following enrollment deadlines:</p> <ul> <li>April 1, 2023: Employers with 25 or more employees in Maine</li> <li>October 1, 2023: Employers with 15 to 24 employees</li> <li>April 1, 2024: Employers with 5 to 14 employees in Maine</li> </ul> <p>Eligible employers of all sizes can voluntarily start offering the program to their employees before these deadlines.</p> <a class="button w-button" href="/find-your-retirement-plan-v3c/" target="">Find Your Plan</a> Michigan <div class="heading-h5"> <img src="https://myubiquity.wpenginepowered.com/wp-content/themes/ubi/images/mandate-proposed-legislation.png" width="16" alt="" data-no-lazy="1"> Michigan </div> <a class="button w-button" href="/find-your-retirement-plan-v3c/" target="">Find Your Plan</a> Minnesota <div class="heading-h5"> <img src="https://myubiquity.wpenginepowered.com/wp-content/themes/ubi/images/mandate-program-in-progress.png" width="16" alt="" data-no-lazy="1"> Minnesota </div> <a class="button w-button" href="/find-your-retirement-plan-v3c/" target="">Find Your Plan</a> Missouri <div class="heading-h5"> <img src="https://myubiquity.wpenginepowered.com/wp-content/themes/ubi/images/mandate-program-in-progress.png" width="16" alt="" data-no-lazy="1"> Missouri </div> <a class="button w-button" href="/find-your-retirement-plan-v3c/" target="">Find Your Plan</a> Mississippi <div class="heading-h5"> <img src="https://myubiquity.wpenginepowered.com/wp-content/themes/ubi/images/mandate-proposed-legislation.png" width="16" alt="" data-no-lazy="1"> Mississippi </div> <a class="button w-button" href="/find-your-retirement-plan-v3c/" target="">Find Your Plan</a> Montana <div class="heading-h5"> <img src="https://myubiquity.wpenginepowered.com/wp-content/themes/ubi/images/mandate-proposed-legislation.png" width="16" alt="" data-no-lazy="1"> Montana </div> <a class="button w-button" href="/find-your-retirement-plan-v3c/" target="">Find Your Plan</a> North Carolina <div class="heading-h5"> <img src="https://myubiquity.wpenginepowered.com/wp-content/themes/ubi/images/mandate-proposed-legislation.png" width="16" alt="" data-no-lazy="1"> North Carolina </div> <a class="button w-button" href="/find-your-retirement-plan-v3c/" target="">Find Your Plan</a> North Dakota <div class="heading-h5"> <img src="https://myubiquity.wpenginepowered.com/wp-content/themes/ubi/images/mandate-proposed-legislation.png" width="16" alt="" data-no-lazy="1"> North Dakota </div> <a class="button w-button" href="/find-your-retirement-plan-v3c/" target="">Find Your Plan</a> Nebraska <div class="heading-h5"> <img src="https://myubiquity.wpenginepowered.com/wp-content/themes/ubi/images/mandate-proposed-legislation.png" width="16" alt="" data-no-lazy="1"> Nebraska </div> <a class="button w-button" href="/find-your-retirement-plan-v3c/" target="">Find Your Plan</a> New Hampshire <div class="heading-h5"> <img src="https://myubiquity.wpenginepowered.com/wp-content/themes/ubi/images/mandate-proposed-legislation.png" width="16" alt="" data-no-lazy="1"> New Hampshire </div> <a class="button w-button" href="/find-your-retirement-plan-v3c/" target="">Find Your Plan</a> New Jersey <div class="heading-h5"> <img src="https://myubiquity.wpenginepowered.com/wp-content/themes/ubi/images/mandate-program-in-progress.png" width="16" alt="" data-no-lazy="1"> New Jersey </div> <p class="no-b-margin"><strong>State-Run Option:</strong></p> <p><a href="https://www.nj.gov/governor/news/news/562019/approved/20190328a.shtml" target="_blank">New Jersey Secure Choice Savings Program Fund</a></p> <p class="no-b-margin"><strong>State Plan Type:</strong></p> <p>IRA</p> <p class="no-b-margin"><strong>Status:</strong></p> <p>Already live</p> <a class="button w-button" href="/find-your-retirement-plan-v3c/" target="">Find Your Plan</a> New Mexico <div class="heading-h5"> <img src="https://myubiquity.wpenginepowered.com/wp-content/themes/ubi/images/mandate-program-in-progress.png" width="16" alt="" data-no-lazy="1"> New Mexico </div> <p class="no-b-margin"><strong>State-Run Option:</strong></p> <p><a href="https://nmsto.gov/special-programs/work-and-save/" target="_blank">New Mexico Work and Save Program</a></p> <p class="no-b-margin"><strong>State Plan Type:</strong></p> <p>Hybrid program consisting of a voluntary IRA and web marketplace. Marketplace options to be determined by the Board.</p> <p class="no-b-margin"><strong>Status:</strong></p> <p>Launching July 1, 2024.</p> <a class="button w-button" href="/find-your-retirement-plan-v3c/" target="">Find Your Plan</a> Nevada <div class="heading-h5"> <img src="https://myubiquity.wpenginepowered.com/wp-content/themes/ubi/images/mandate-program-in-progress.png" width="16" alt="" data-no-lazy="1"> Nevada </div> <a class="button w-button" href="/find-your-retirement-plan-v3c/" target="">Find Your Plan</a> New York <div class="heading-h5"> <img src="https://myubiquity.wpenginepowered.com/wp-content/themes/ubi/images/mandate-program-in-progress.png" width="16" alt="" data-no-lazy="1"> New York </div> <p class="no-b-margin"><strong>State-Run Option:</strong></p> <p><a href="https://www.jdsupra.com/legalnews/new-york-state-enacts-secure-choice-8261710/" target="_blank">New York State Secure Choice Savings Program</a></p> <p class="no-b-margin"><strong>State Plan Type:</strong></p> <p>IRA</p> <p class="no-b-margin"><strong>Status:</strong></p> <p>Launch was postponed indefinitely.</p> <a class="button w-button" href="/find-your-retirement-plan-v3c/" target="">Find Your Plan</a> Ohio <div class="heading-h5"> <img src="https://myubiquity.wpenginepowered.com/wp-content/themes/ubi/images/mandate-proposed-legislation.png" width="16" alt="" data-no-lazy="1"> Ohio </div> <a class="button w-button" href="/find-your-retirement-plan-v3c/" target="">Find Your Plan</a> Oklahoma <div class="heading-h5"> <img src="https://myubiquity.wpenginepowered.com/wp-content/themes/ubi/images/mandate-proposed-legislation.png" width="16" alt="" data-no-lazy="1"> Oklahoma </div> <a class="button w-button" href="/find-your-retirement-plan-v3c/" target="">Find Your Plan</a> Oregon <div class="heading-h5"> <img src="https://myubiquity.wpenginepowered.com/wp-content/themes/ubi/images/mandate-active-program.png" width="16" alt="" data-no-lazy="1"> Oregon </div> <p class="no-b-margin"><strong>State-Run Option:</strong></p> <p><a href="https://www.oregonsaves.com/" target="_blank">OregonSaves</a></p> <p class="no-b-margin"><strong>State Plan Type:</strong></p> <p>IRA</p> <p class="no-b-margin"><strong>Status:</strong></p> <p>Already live and mandatory for all companies with 5 or more employees; early 2023 for companies with fewer than 5 employees.</p> <a class="button w-button" href="/site/oregon-401k/" target="">Find Your Plan</a> Pennsylvania <div class="heading-h5"> <img src="https://myubiquity.wpenginepowered.com/wp-content/themes/ubi/images/mandate-proposed-legislation.png" width="16" alt="" data-no-lazy="1"> Pennsylvania </div> <a class="button w-button" href="/find-your-retirement-plan-v3c/" target="">Find Your Plan</a> Rhode Island <div class="heading-h5"> <img src="https://myubiquity.wpenginepowered.com/wp-content/themes/ubi/images/mandate-proposed-legislation.png" width="16" alt="" data-no-lazy="1"> Rhode Island </div> <a class="button w-button" href="/find-your-retirement-plan-v3c/" target="">Find Your Plan</a> South Carolina <div class="heading-h5"> <img src="https://myubiquity.wpenginepowered.com/wp-content/themes/ubi/images/mandate-proposed-legislation.png" width="16" alt="" data-no-lazy="1"> South Carolina </div> <a class="button w-button" href="/find-your-retirement-plan-v3c/" target="">Find Your Plan</a> South Dakota <div class="heading-h5"> <img src="https://myubiquity.wpenginepowered.com/wp-content/themes/ubi/images/mandate-no-legislation.png" width="16" alt="" data-no-lazy="1"> South Dakota </div> <p>No mandate planned for South Dakota. Be competitive and offer one anyway.</p> <a class="button w-button" href="/find-your-retirement-plan-v3c/" target="">Find Your Plan</a> Tennessee <div class="heading-h5"> <img src="https://myubiquity.wpenginepowered.com/wp-content/themes/ubi/images/mandate-proposed-legislation.png" width="16" alt="" data-no-lazy="1"> Tennessee </div> <a class="button w-button" href="/find-your-retirement-plan-v3c/" target="">Find Your Plan</a> Texas <div class="heading-h5"> <img src="https://myubiquity.wpenginepowered.com/wp-content/themes/ubi/images/mandate-proposed-legislation.png" width="16" alt="" data-no-lazy="1"> Texas </div> <a class="button w-button" href="/find-your-retirement-plan-v3c/" target="">Find Your Plan</a> Utah <div class="heading-h5"> <img src="https://myubiquity.wpenginepowered.com/wp-content/themes/ubi/images/mandate-proposed-legislation.png" width="16" alt="" data-no-lazy="1"> Utah </div> <a class="button w-button" href="/find-your-retirement-plan-v3c/" target="">Find Your Plan</a> Virginia <div class="heading-h5"> <img src="https://myubiquity.wpenginepowered.com/wp-content/themes/ubi/images/mandate-active-program.png" width="16" alt="" data-no-lazy="1"> Virginia </div> <p class="no-b-margin"><strong>State-Run Option:</strong></p> <p><a href="https://www.virginia529.com/retirement-study/" target="_blank">VirginiaSaves Program</a></p> <p class="no-b-margin"><strong>State Plan Type:</strong></p> <p>IRA</p> <p class="no-b-margin"><strong>Status:</strong></p> <p>Staggered deadlines starting on or before July 1, 2023.</p> <a class="button w-button" href="/find-your-retirement-plan-v3c/" target="">Find Your Plan</a> Vermont <div class="heading-h5"> <img src="https://myubiquity.wpenginepowered.com/wp-content/themes/ubi/images/mandate-program-in-progress.png" width="16" alt="" data-no-lazy="1"> Vermont </div> <p class="no-b-margin"><strong>State-Run Option:</strong></p> <p><a href="https://www.vermonttreasurer.gov/content/green-mountain-secure-retirement-plan" target="_blank">Green Mountain Secure Retirement Plan</a></p> <p class="no-b-margin"><strong>State Plan Type:</strong></p> <p>MEP designed for employers with 50 or fewer employees (including self-employed) and employers that currently do not offer a retirement plan.</p> <p class="no-b-margin"><strong>Status:</strong></p> <p>Launch was expected in 2021 but no further updates are available.</p> <a class="button w-button" href="/find-your-retirement-plan-v3c/" target="">Find Your Plan</a> Washington <div class="heading-h5"> <img src="https://myubiquity.wpenginepowered.com/wp-content/themes/ubi/images/mandate-active-program.png" width="16" alt="" data-no-lazy="1"> Washington </div> <p class="no-b-margin"><strong>State-Run Option:</strong></p> <p><a href="https://www.retirementmarketplace.com/" target="_blank">Retirement Small Business Marketplace (run by the Washington State Department of Commerce)</a></p> <p class="no-b-margin"><strong>State Plan Type:</strong></p> <p>Participating financial service providers offer 9 types of low-cost IRAs and 401(k)s to companies with less than 100 employees including sole proprietors and self-employed.</p> <p class="no-b-margin"><strong>Status:</strong></p> <p>Already live</p> <a class="button w-button" href="/find-your-retirement-plan-v3c/" target="">Find Your Plan</a> Wisconsin <div class="heading-h5"> <img src="https://myubiquity.wpenginepowered.com/wp-content/themes/ubi/images/mandate-proposed-legislation.png" width="16" alt="" data-no-lazy="1"> Wisconsin </div> <a class="button w-button" href="/find-your-retirement-plan-v3c/" target="">Find Your Plan</a> West Virginia <div class="heading-h5"> <img src="https://myubiquity.wpenginepowered.com/wp-content/themes/ubi/images/mandate-proposed-legislation.png" width="16" alt="" data-no-lazy="1"> West Virginia </div> <a class="button w-button" href="/find-your-retirement-plan-v3c/" target="">Find Your Plan</a> Wyoming <div class="heading-h5"> <img src="https://myubiquity.wpenginepowered.com/wp-content/themes/ubi/images/mandate-proposed-legislation.png" width="16" alt="" data-no-lazy="1"> Wyoming </div> <a class="button w-button" href="/find-your-retirement-plan-v3c/" target="">Find Your Plan</a>

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