UPDATED FOR 2026 · 17 STATES · STATUTE-VERIFIED

Retirement mandates for nonprofits, handled.

Mission doesn't exempt you — nonprofits, daycares, and community organizations with W-2 staff are covered. We make it affordable.

Check your exposure Book a free 15-min audit

Verified to state statutes 17 states covered No obligation

Nonprofit team sorting donations together in a bright community center

Compliant & covered17 states · 2026

Example exposure · VA · 21 staff

$4,200/yr≈ $0*

Do nothing → penalty · your plan → covered*

// why nonprofits get caught out

Where the mandate bites businesses like yours.

Mission doesn't exempt you

Nonprofits, daycares, and community organizations with W-2 staff are covered like any employer.

Built for tight budgets

Low-cost plan options fit nonprofit budgets — and we model your true net cost honestly before you commit.

Keep mission-driven staff

A real retirement benefit helps you retain committed people who could earn more elsewhere.

No HR bandwidth

Lean teams have no HR bandwidth for registration deadlines and enrollment paperwork — we carry it.

// 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

Federal credits can cover most of your startup cost.

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.

$0down

Most eligible businesses can start for little to nothing in year one.

// nonprofits faq

Asked by owners like you.

We're a 501(c)(3) — does the state mandate really apply to us?

Yes. State auto-IRA mandates apply to employers by W-2 headcount, not tax status. Churches and some religious organizations have carve-outs in certain states; we check your specific case.

Do SECURE 2.0 tax credits help us if we don't pay income tax?

The startup credit is a general business credit, which most tax-exempt organizations can't use directly — an important nuance many advisors miss. We model your true net cost honestly, including low-cost plan options built for nonprofits.

Do part-time program staff count toward the threshold?

Generally yes — most states count W-2 employees regardless of hours. Volunteers and true stipended contractors typically don't. We sort your roster into who counts and who doesn't.

Find out where your nonprofits 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.

100% freeNo obligation15 minutes

Get your free audit

Takes 30 seconds. We'll reach out to schedule.

Submits to GHL / LeadConnector · or call (732) 444-8686