Estimate your potential penalty exposure in seconds. Enter your state, employee count, and years out of compliance.
* Estimates are based on published per-employee annual penalties. Actual penalties may vary based on state enforcement, timing, and other factors. This calculator is for educational purposes only and does not constitute legal or financial advice.
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📅 Book a Free Compliance Check →State retirement mandate penalties are typically assessed per eligible employee, per year of non-compliance. The table below shows the per-employee annual penalty for each state included in this calculator.
| State | Year 1 Penalty / Employee | Year 2+ Penalty / Employee | Notes |
|---|---|---|---|
| NJ | $500 | $500 | Per employee per year |
| NY | $250 | $250 | Per employee per year |
| CA | $250 | $500 | Escalates after year 1 |
| IL | $250 | $250+ | Escalating enforcement |
| CT | $500 | $1,500 | Significant escalation |
| OR | $100 | $100 | Per employee per year |
| CO | $100 | $100 | Per employee per year |
| VA | $200 | $200 | Per employee per year |