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/yrCovered*

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

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.

// 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

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