Hotels, motels, restaurants, and seasonal businesses in Duluth must comply with MN Secure Choice or face penalties the state has not yet set. Don't wait — the deadline is Enforcing now.
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:
Yes. MN Secure Choice applies to all employers in Minnesota with 5+ employees. Hotels, motels, B&Bs, and restaurants in Duluth are subject to the same rules as any other employer — seasonal operation does not exempt you.
Not automatically. If you employ 5+ employees at any point during the year, you are subject to MN Secure Choice. Seasonal employers can use a SIMPLE IRA or 401(k) to qualify for the exemption — and can exclude employees who work fewer than 1,000 hours/year from the plan.
A SIMPLE IRA is typically the most cost-effective solution. Setup costs range from $500–$1,500 with a flat annual admin fee. This exempts you from MN Secure Choice and qualifies you for SECURE 2.0 federal tax credits worth up to $5,000/year for 3 years. Kandelaki Solutions handles the entire setup.
Yes. SECURE 2.0 Act tax credits are available to small businesses with fewer than 100 employees that start a new qualifying retirement plan (the full startup credit applies at 50 or fewer employees; it phases down from 51 to 100). Credits of up to $5,000/year for 3 years (plus up to $1,000 per employee in employer-contribution credits, which phase down over five years) are available regardless of whether your business is seasonal.
The current compliance deadline is: Enforcing now. Don't wait — penalty amounts for non-compliance have not yet been set by the state. 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.