This page covers what is specific to Annapolis: local employers, seasonal hiring, and where to get help. For the statewide rules, see the MarylandSaves requirements and deadlines.
ZIP codes with an Annapolis mailing address had 3,879 business locations in 2023, with about 54,900 people on payroll in the March pay period.
MarylandSaves applies from the first employee, so each of those 3,879 locations belongs to an employer that, if it is a business that meets the state's other conditions (such as time in business), needs either its own retirement plan or the state program.
The most common types of business in these ZIP codes are professional, scientific and technical services (729 locations), retail trade (548 locations) and health care and social assistance (450 locations). Across Anne Arundel County, the largest industry by employment is accommodation and food services (32,136 jobs), and private leisure and hospitality employment ran from 32,717 in February 2024 to 36,591 in August 2024.
417 of the 3,879 business locations in Annapolis's ZIP codes are in accommodation and food services or arts, entertainment and recreation, the leisure and hospitality industries where staffing levels tend to change with the season. Maryland counts employees under Md. Code, Lab. & Empl. §12-101(d)(1). The rule reads: “pays the covered employer's employees through a payroll system or service”. If your Annapolis business's headcount rises and falls during the year, that wording decides whether you meet the threshold, so confirm your status with MarylandSaves.
Free one-on-one advising for Annapolis businesses is available from the Maryland SBDC Corridor Region, the Maryland SBDC regional office serving Anne Arundel, Howard, Montgomery and Prince George's counties.
Local business network for Annapolis: Anne Arundel County Chamber of Commerce.
MarylandSaves: 410-403-2782 · [email protected].
If your business has at least one employee in Maryland, has been in business at least 2 years, and offers no qualified retirement plan, MarylandSaves requires you to register or certify an exemption. Upcoming deadlines: 2027 fee-waiver claim by December 31, 2026.
Book a free 15-minute compliance audit. We'll show your exact requirement, your real exposure, and whether your own plan saves you money.