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State Retirement Mandate Compliance

Attention Non-Profit & Daycare Leaders: Your State Retirement Mandate Applies to You Too

Non-profits, daycares, and childcare centers with 5+ employees are covered by state retirement mandates. Affordable compliance solutions and federal tax credits are available.

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Why It Matters

The Challenges Non-Profits & Daycares Owners Face

Most state mandates impose fines of $250–$500 per employee per year for non-compliance. The good news: setting up a qualifying retirement plan exempts you immediately — and federal SECURE 2.0 tax credits can offset up to $15,000 of your startup costs.

Flat-Fee Pricing

No AUM Minimums. One Flat Fee.

Unlike commission-based advisors, we charge a single flat fee — no percentage of assets, no hidden costs. SECURE 2.0 credits can cover most or all of your first three years.

Business Size Setup Fee Annual Flat SECURE 2.0 Credits
5–15 employees $1,500 $600/yr up to $15,000
16–30 employees $2,500 $900/yr up to $15,000
31–75 employees $3,500 $1,500/yr up to $15,000

*SECURE 2.0 Act credits available to employers with 100 or fewer employees. Credits apply to startup costs for the first 3 years. Consult a tax advisor for specifics.

How It Works

Get Compliant in 3 Simple Steps

1

Free Compliance Audit

We review your state's mandate requirements, your employee count, and your current retirement setup — at no cost.

2

Custom Plan Design

We design a flat-fee retirement plan optimized for your business size, budget, and owner contribution goals.

3

File State Exemption

We handle the mandate exemption filing and ensure you maximize your SECURE 2.0 federal tax credits — often worth $5,000–$15,000.

Start With a Free Audit →

Frequently Asked Questions

Non-Profits & Daycares Retirement Plan FAQs

Are non-profit organizations subject to state retirement mandates?
Yes. State retirement mandates apply to 501(c)(3) non-profits, charities, and other non-profit organizations if they meet the employee threshold (typically 5 or more employees). There is no blanket exemption for non-profit status. Organizations must either sponsor a qualifying retirement plan or enroll employees in the state program.
Our daycare has 12 employees — do we need to comply with the mandate?
Almost certainly yes, if you're in a state with an active mandate. With 12 employees, your daycare or childcare center exceeds the threshold for every active state program. You need either a qualifying private plan or state program enrollment to avoid penalties of $250–$500 per employee annually.
We have a tight budget — what's the lowest-cost way to comply?
For non-profits and daycares, a SIMPLE IRA is often the most cost-effective compliant plan. Our flat fee starts at $1,500 setup + $600/year for 5–15 employees. SECURE 2.0 startup credits (up to $5,000/year) can eliminate most or all of that cost in the first three years. We'll show you the net-zero path during your free audit.
Can a non-profit get SECURE 2.0 federal tax credits?
Yes — if your non-profit pays federal taxes or has taxable unrelated business income. For tax-exempt organizations without taxable income, the credits may not fully apply. However, the plan still satisfies the state mandate and benefits your employees. We'll assess your specific tax situation during the audit.
Does offering a 403(b) exempt us from the state mandate?
It depends. A 403(b) plan can qualify as an exempting plan in many states, but it must meet certain requirements (active employer contributions or employee deferrals, proper ERISA coverage, etc.). A 'shell' 403(b) with no contributions may not qualify. We'll review your current 403(b) structure and confirm whether it satisfies your state's requirements.

Ready to Get Compliant?

Book a free 20-minute compliance audit. We'll tell you exactly what your state requires, what it costs, and how federal tax credits can cover most of it.

Book Free Compliance Audit →

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Helpful Resources

States with Active Mandates

Maryland Virginia Connecticut View All States →

Local Coverage

Annapolis, MD Williamsburg, VA Litchfield, CT

Other Resources

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