Hawaii Retirement Savings Program has not launched yet (DLIR projects launch in late December 2026 (joined the Vestwell multistate alliance in 2026).). It applies to Hawaii employers with 1+ employees that do not offer a qualifying retirement plan. Penalty: Up to $50 / mo per unenrolled employee. No employer deadlines have been announced yet..
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Hawaii Retirement Savings Program covers Hawaii employers with 1+ employees that do not offer a qualifying retirement plan. Counting rule: Any employer with one or more employees in Hawaii (HRS §389-2); no averaging rule. No years-in-business requirement (the two-year period in the statute is the existing-plan look-back).
Once launched: $25 per employee per month unenrolled, rising to $50 per month after assessment, plus make-up contributions. The program has not launched yet.
No employer deadlines have been announced yet.
HRS §§389-2, 389-5, 389-14 (Act 296 (2022); Act 113 (2025)) · Official program: labor.hawaii.gov/hrsp · Verified 2026-09-17.
Hawaii Retirement Savings Program is Hawaii's state-facilitated retirement savings program. It has not launched yet (DLIR projects launch in late December 2026 (joined the Vestwell multistate alliance in 2026).). Program: https://labor.hawaii.gov/hrsp/.
Hawaii Retirement Savings Program covers Hawaii employers with 1+ employees that do not offer a qualifying retirement plan. Counting rule: Any employer with one or more employees in Hawaii (HRS §389-2); no averaging rule. No years-in-business requirement (the two-year period in the statute is the existing-plan look-back).
Once launched: $25 per employee per month unenrolled, rising to $50 per month after assessment, plus make-up contributions. The program has not launched yet.
No employer deadlines have been announced yet.
Exempt if a plan under 401(a)/401(k), 403(a)/403(b), SEP (408(k)), SIMPLE (408(p)) was offered or maintained at any time in the preceding two years. A private 401(k) or SIMPLE IRA satisfies the mandate and may qualify for SECURE 2.0 startup credits.
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