Colorado Retirement Mandate: SecureSavings

Colorado SecureSavings requires employers with 5+ employees to offer a retirement savings program. Active enforcement began in 2023. Denver-area employers are receiving compliance notices now.

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Colorado SecureSavingsENFORCING

State program

5+ employees

Employee threshold

$100 / employee (cap $5,000 / yr)

Non-compliance penalty

// 60-second check

What does Colorado actually require?

Set your headcount for your real exposure — data verified against the statute.

Your state

Number of employees

Informational only — not legal or tax advice.

Annual exposure · Colorado

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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

// frequently asked

Asked by employers here.

Who must comply with Colorado SecureSavings?

Colorado employers with 5 or more employees who have been operating for at least 2 years and don't offer a qualifying retirement plan.

What is the Colorado SecureSavings penalty?

$100 per eligible employee per year for non-compliance.

How do Denver businesses avoid SecureSavings?

Offer a 401(k), SEP IRA, or SIMPLE IRA. SECURE 2.0 tax credits can cover startup costs up to $5,000/year for 3 years.

Find out where you stand — before the state does.

Book a free 15-minute compliance audit. We'll show your exact requirement, your real exposure, and whether your own plan saves you money.

Free 15-minute audit

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