If your business has 5 or more employees in Colorado, has been in business at least 2 years, and offers no qualified retirement plan, Colorado SecureSavings requires you to register or certify an exemption. All announced registration deadlines have passed.
Set your headcount for your real exposure — data verified against the statute.
Informational only, not legal or tax advice.
Get your full breakdown + a private-plan savings estimate:
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.
Newly eligible employers: annual notification.
If your group's date has passed and you have not registered, register or certify an exemption now.
C.R.S. 24-54.3-102(3), 24-54.3-107(1)(i); 8 CCR 1508-3. Official program: Colorado SecureSavings official site. Verified September 17, 2026.
You must take part if your business has 5 or more employees in Colorado and you do not offer a qualified retirement plan, such as a 401(k) or SIMPLE IRA. Businesses open fewer than 2 years are not covered yet. The section above explains exactly how Colorado counts your employees.
Every announced Colorado SecureSavings deadline has passed. If you have not registered or certified an exemption, do it now.
You could owe up to $100 a year for each eligible employee, with a yearly ceiling of $5,000. No assessments have been made public so far.
Offer your own qualified retirement plan and certify it with Colorado SecureSavings. What counts in Colorado: 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.
Colorado SecureSavings spares you from running a plan, but it allows no employer match and caps each saver at the IRA limit ($7,500 for 2026). A 401(k) allows up to $24,500 per employee for 2026, lets you add a match, and credits can offset much of the startup cost for eligible employers.
Book a free 15-minute compliance audit. We'll show your exact requirement, your real exposure, and whether your own plan saves you money.