⚡ ACTIVE ENFORCEMENT — 17+ STATES

Your State Is Mandating Retirement Plans. Don't Settle for Theirs.

Employers face $500+ per employee penalties for non-compliance. Protect your company with a private 401(k) alternative that puts you in control.

See Why Private Beats State

Retirement mandate compliance expert helping small business owners avoid state penalties

$500+

Per Employee
Penalty Risk

17+

States with
Active Mandates

$70K

Average Owner
Tax Savings

$16.5K

Annual Tax
Credits Available

Estimate Your Compliance Cost

Select Your State

Number of Employees

State retirement mandate penalty calculator dashboard showing employer compliance costs

State Program vs. Private 401(k)

Feature	State Mandate Program	Private 401(k)
Employer Control	✕	✓
Plan Design Flexibility	✕	✓
Investment Options	Limited (2-5 options)	Unlimited Custom Options
Employee Matching Contributions	Not Available	✓
Tax Credits (SECURE 2.0)	Limited/None	Up to $16.5K/year
Compliance Cost	$500+ per employee/year	Fixed, Predictable Costs
Compliance Automation	✕	✓
Portability	Locked to State Program	✓

What Employers Are Saying

★ ★ ★ ★ ★

"We switched from the state program and saved over $70K in the first year. The compliance audit was eye-opening."

SJ

Sarah Johnson

CEO, Tech Services

★ ★ ★ ★ ★

"The team made everything simple. They handled the compliance, we focused on our business. Best decision we made."

MC

Mike Chen

Owner, Consulting Firm

★ ★ ★ ★ ★

"Our employees love having real investment control. Employee retention has improved significantly."

ER

Emma Rodriguez

HR Director, Finance Startup

COVERAGE MAP

17+ States and Counting

US map showing 17 states with active retirement mandate programs in 2026 including California CalSavers and New Jersey RetireReady

Retirement Savings Program

NY Secure Choice

Secure Retirement

HI Secure Choice

myDElawareSavings