Hawaii Retirement Mandate: Hawaii Saves

Hawaii is developing its state retirement mandate program. Expected launch in late 2026. Honolulu-area employers should begin exploring private plan options now.

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Hawaii Retirement Savings ProgramCOMING SOON

State program

1+ employees

Employee threshold

Up to $50 /mo per unenrolled employee

Non-compliance penalty

// 60-second check

What does Hawaii 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 · Hawaii

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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.

What is Hawaii Saves?

Hawaii Saves is Hawaii's forthcoming state-mandated retirement savings program, expected to launch in late 2026.

When will Hawaii enforce retirement mandate rules?

Enforcement details are still being developed. Honolulu-area employers should plan ahead.

How do Hawaii businesses prepare?

Set up a qualifying retirement plan now. SECURE 2.0 Act credits provide up to $5,000/year for 3 years for new plans.

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

No obligation · (732) 444-8686

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