Your franchisor's benefits don't cover this — each location's W-2 headcount is yours. We handle it across every unit.
Each location's W-2 headcount can trigger the mandate — and states aggregate by legal employer.
Multi-unit owners face registration deadlines across several entities and payroll systems at once.
Franchisor benefit programs usually don't satisfy the mandate — as the employer of record, you do.
We handle enrollment and notices across locations and payroll systems, so nothing slips per-unit.
Pick your state and headcount for your real exposure — data verified against each state's own statute.
Informational only — not legal or tax advice.
Get your full breakdown + a private-plan savings estimate:
Under SECURE 2.0, small employers starting a plan can claim credits toward setup and contributions. The amount depends on your size and phases out over the first years — we model your real number, not a headline.
See what you'd qualify forThresholds apply per legal employer (EIN), but some states have related-entity rules that can combine commonly-owned units. We map your entity structure against your state before you rely on being under the line.
Usually not — you are the employer of record for your staff, and the mandate falls on you unless your locations participate in a plan that actually qualifies. We verify what your franchisor offers against your state's rules.
Typically yes — a single employer plan (or one per EIN) can cover multiple units, which is usually cheaper and cleaner than registering each location with the state program separately.
Book a free 15-minute compliance audit. We'll show your exact requirement, your real exposure, and whether your own plan saves you money.
Grab the free 2026 cheat-sheet: every state's threshold, deadline, and penalty on one page.