This page covers what is specific to Lutsen: local employers, seasonal hiring, and where to get help. For the statewide rules, see the Minnesota Secure Choice requirements and deadlines.
ZIP codes with a Lutsen mailing address had 37 business locations in 2023, with about 422 people on payroll in the March pay period.
The most common types of business in these ZIP codes are construction (10 locations), accommodation and food services (10 locations) and retail trade (6 locations). Across Cook County, the largest industry by employment is accommodation and food services (751 jobs), and private leisure and hospitality employment ran from 638 in November 2024 to 936 in August 2024.
10 of the 37 business locations in Lutsen'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. Minnesota counts employees under Minn. Stat. §187.03, subd. 6. The rule reads: “employs five or more covered employees”. If your Lutsen business's headcount rises and falls during the year, that wording decides whether you meet the threshold, so confirm your status with Minnesota Secure Choice.
Free one-on-one advising for Lutsen businesses is available from the Northland Small Business Development Center, the Minnesota SBDC Northeast Region center in Duluth, which lists Cook County among the counties served.
Local business network for Lutsen: Cook County Chamber of Commerce.
Minnesota Secure Choice employer assistance: 1-855-938-1474.
If your business has 5 or more employees in Minnesota and offers no qualified retirement plan, Minnesota Secure Choice requires you to register or certify an exemption. Upcoming deadlines: 50–99 employees by December 31, 2026; 25–49 employees by June 30, 2027; 10–24 employees by December 31, 2027; 5–9 employees by June 30, 2028.
Full Minnesota Secure Choice requirements, deadlines and penalties
Book a free 15-minute compliance audit. We'll show your exact requirement, your real exposure, and whether your own plan saves you money.