Dover employers with 5+ employees must comply with Delaware EARNS — Delaware's state retirement savings mandate. Enforcement is active. Get compliant now before penalties apply.
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Informational only — not legal or tax advice.
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Yes. Delaware EARNS applies to all private-sector employers in Delaware with 5+ employees, including businesses in Dover — Delaware's state capital. Government agencies are exempt, but all private businesses meeting the criteria must comply.
Government agencies are exempt from Delaware EARNS, but private-sector contractors and vendors serving Dover's government entities are subject to the mandate if they have 5+ W-2 employees and have been in business 2+ years.
Delaware EARNS penalties are pending final determination. Delaware has not yet published its penalty schedule; Dover employers should register early to stay ahead of enforcement. Register early to avoid all penalties.
The fastest path for most Dover employers is either (1) registering at delawareearns.com and enrolling in the state IRA program, or (2) setting up a qualifying plan (SIMPLE IRA or 401k) and filing a Certificate of Exemption. Kandelaki Solutions offers a free compliance review and handles the entire process.
Delaware EARNS is currently in active enforcement phase. Dover employers should not wait — penalties are expected once full enforcement begins. Contact Kandelaki Solutions today for a free compliance audit.
Book a free 15-minute compliance audit. We'll show your exact requirement, your real exposure, and whether your own plan saves you money.