State Retirement Mandates — All 17 States | RetirementMandate.com
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UPDATED FOR 2026 · STATUTE-VERIFIED

Every state mandate, one page.

Program, threshold, enforcement status, and the real penalty for all 17 states — verified against each state's own statute, updated the moment a law changes.

Find your state 60-second exposure check
// all 17 states

Where does your state stand?

Statute-verified thresholds and penalties. Click through for the full state guide.

CaliforniaENFORCING
CalSavers
1+ employeesUp to $500 / employee (escalating)
ColoradoENFORCING
Colorado SecureSavings
5+ employees$100 / employee (cap $5,000)
ConnecticutENFORCING
MyCTSavings
5+ employees$500–$1,500 per company (by size)
DelawareCOMING SOON
Delaware EARNS
5+ employeesPenalty not yet set
HawaiiCOMING SOON
Hawaii Retirement Savings Program
1+ employeesUp to $50 /mo per employee
IllinoisENFORCING
Illinois Secure Choice
5+ employeesUp to $500 / employee (escalating)
MaineENFORCING
MERIT
5+ employeesUp to $100 / employee (escalating)
MarylandENFORCING
MarylandSaves
1+ employeesNo monetary penalty
MinnesotaCOMING SOON
Minnesota Secure Choice
5+ employeesPenalty not yet set
NevadaCOMING SOON
Nevada Employee Savings Trust
100+ employeesPenalty not yet set
New JerseyENFORCING
RetireReady NJ
10+ employeesUp to $500 / employee (escalating)
New YorkENFORCING
NY Secure Choice
10+ employeesUp to $100 / employee (escalating)
OregonENFORCING
OregonSaves
1+ employees$100 / employee (cap $5,000)
Rhode IslandCOMING SOON
RISavers
5+ employeesPenalty not yet set
VermontENFORCING
VT Saves
15+ employeesUp to $75 / employee (escalating)
VirginiaENFORCING
RetirePath Virginia
5+ employeesUp to $200 / employee / yr
WashingtonCOMING SOON
Washington Saves
TBDPenalty not yet set
// 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.

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: