Colorado SecureSavings has been live since January 2023. It applies to Colorado employers with 5+ employees that do not offer a qualifying retirement plan. Penalty: Up to $100 / employee (cap $5,000 / yr). Already passed: All employers (2023 waves; final backstop) (2024-12-31) — unregistered employers should register or certify an exemption now.
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Colorado SecureSavings covers Colorado employers with 5+ employees that do not offer a qualifying retirement plan. Counting rule: Five or more employees at any time during the previous calendar year (employees 18+, employed at least 180 days). Applies to employers in business for 2+ years.
Up to $100 per eligible employee per year, capped at $5,000 per year. The penalty is in force; no public record of assessments yet.
Already passed: All employers (2023 waves; final backstop) (2024-12-31) — unregistered employers should register or certify an exemption now. Newly eligible employers: annual notification.
C.R.S. 24-54.3-102(3), 24-54.3-107(1)(i); 8 CCR 1508-3 · Official program: coloradosecuresavings.com · Verified 2026-09-17.
Colorado SecureSavings is Colorado's state-facilitated retirement savings program. It has been live since January 2023. Program: https://coloradosecuresavings.com.
Colorado SecureSavings covers Colorado employers with 5+ employees that do not offer a qualifying retirement plan. Counting rule: Five or more employees at any time during the previous calendar year (employees 18+, employed at least 180 days). Applies to employers in business for 2+ years.
Up to $100 per eligible employee per year, capped at $5,000 per year. The penalty is in force; no public record of assessments yet.
Already passed: All employers (2023 waves; final backstop) (2024-12-31) — unregistered employers should register or certify an exemption now. Newly eligible employers: annual notification.
Exempt with a plan under 401(a)/401(k), 403(a)/403(b), SEP (408(k)), SIMPLE (408(p)), 457(b) or a MEP; employers with fewer than 5 employees or under 2 years in business must still certify. A private 401(k) or SIMPLE IRA satisfies the mandate and may qualify for SECURE 2.0 startup credits.
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