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UPDATED FOR 2026 · 17 STATES · STATUTE-VERIFIED

Retirement mandates for medical & clinical practices, handled.

Front desk, techs, nurses — multi-role W-2 teams cross thresholds fast. We own this deadline so you can own patient care.

Check your exposure Book a free 15-min audit

Verified to state statutes 17 states covered No obligation

Clinic staff talking at a sunlit reception desk in a small medical practice

Compliant & covered17 states · 2026

Example exposure · VA · 21 staff

$4,200/yrCovered*

Do nothing → penalty · your plan → covered*

// why medical & clinical practices get caught out

Where the mandate bites businesses like yours.

Every W-2 role counts

Front desk, med techs, nurses, billing — multi-role W-2 staff all count toward the threshold.

Retention is cheaper than rehiring

Replacing clinical staff is expensive. A real retirement benefit measurably helps retention.

One more deadline — ours

You already run HIPAA, OSHA, and billing compliance. This is one more deadline, and we own it.

Match + higher limits

A private plan unlocks employer match and far higher contribution limits than the state IRA allows.

// 60-second check

What does your state actually require?

Pick your state and headcount for your real exposure — data verified against each state's own statute.

Your state

Number of employees

Informational only, not legal or tax advice.

Annual exposure · Virginia

$4,200

RetirePath Virginia · applies at 5+ employees

Get your full breakdown + a private-plan savings estimate:

// state plan vs your own

You can comply two ways. Only one builds anything.

The state auto-IRA

Compliance, nothing else

No employer match allowed
Low Roth-IRA contribution limits
One-size-fits-all investments
No tax credits for your business

RECOMMENDED

Your own 401(k)

Compliant — and working for you

Match if and when you want
Far higher contribution limits
SECURE 2.0 credits offset setup
A real recruiting & retention perk

// the part nobody tells you

Credits can offset much of the startup cost for eligible employers.

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 for

$5,000/yr

Startup credit toward administration costs, up to three years.

$1,000/emp

Toward employer contributions for smaller employers, phasing down as you grow.

Low net cost

Credits can offset much of the startup cost for eligible employers. We model your real net.

// medical & clinical practices faq

Asked by owners like you.

We use a staffing agency for some roles. Do those workers count?

Workers 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.

Does the mandate apply per-location or per-entity?

Thresholds almost always apply at the legal-employer (EIN) level, not per clinic location. Multi-site practices under one entity combine their headcount.

What happens if we miss our state's registration deadline?

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.

Find out where your medical & clinical practices business stands.

Book a free 15-minute compliance audit. We'll show your exact requirement, your real exposure, and whether your own plan saves you money.

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