Front desk, techs, nurses — multi-role W-2 teams cross thresholds fast. We own this deadline so you can own patient care.
Front desk, med techs, nurses, billing — multi-role W-2 staff all count toward the threshold.
Replacing clinical staff is expensive. A real retirement benefit measurably helps retention.
You already run HIPAA, OSHA, and billing compliance. This is one more deadline, and we own it.
A private plan unlocks employer match and far higher contribution limits than the state IRA allows.
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 forWorkers on the agency's W-2 payroll generally count toward the agency's threshold, not yours — but arrangements vary. We review how your staffing is structured before you rely on that.
Thresholds almost always apply at the legal-employer (EIN) level, not per clinic location. Multi-site practices under one entity combine their headcount.
Consequences vary by state — from warning letters to per-employee penalties that escalate over time. The check above shows your state's current enforcement posture, verified to the statute.
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.