Nevada Employee Savings Trust has been live since July 2025. It applies to Nevada employers with 6+ employees that do not offer a qualifying retirement plan. Penalty: No monetary penalty — registration required. Already passed: All eligible employers (2025-09-01); New businesses (2026-06-30) — unregistered employers should register or certify an exemption now.
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Nevada Employee Savings Trust covers Nevada employers with 6+ employees that do not offer a qualifying retirement plan. Counting rule: More than five Nevada employees (i.e., 6 or more; full-time, part-time and temporary count; employees 18+, employed 120+ days). In business at least 36 months; no tax-favored plan in the current or three preceding calendar years.
No statutory penalty in Nevada; late remittance of withheld contributions is enforced under wage-and-hour law. Employers must still register or certify an exemption.
Already passed: All eligible employers (2025-09-01); New businesses (2026-06-30) — unregistered employers should register or certify an exemption now. Newly eligible employers: by notification.
NRS 353D.060, 353D.070, 353D.150, 353D.300 · Official program: nest.nv.gov · Verified 2026-09-17.
Nevada Employee Savings Trust is Nevada's state-facilitated retirement savings program. It has been live since July 2025. Program: https://nest.nv.gov.
Nevada Employee Savings Trust covers Nevada employers with 6+ employees that do not offer a qualifying retirement plan. Counting rule: More than five Nevada employees (i.e., 6 or more; full-time, part-time and temporary count; employees 18+, employed 120+ days). In business at least 36 months; no tax-favored plan in the current or three preceding calendar years.
No statutory penalty in Nevada; late remittance of withheld contributions is enforced under wage-and-hour law. Employers must still register or certify an exemption.
Already passed: All eligible employers (2025-09-01); New businesses (2026-06-30) — unregistered employers should register or certify an exemption now. Newly eligible employers: by notification.
Exempt with a plan under 401(a)/401(k), 403(a)/403(b), SEP (408(k)), SIMPLE (408(p)) or an auto-enrollment program through a chamber of commerce or trade association; certify with the Access Code. A private 401(k) or SIMPLE IRA satisfies the mandate and may qualify for SECURE 2.0 startup credits.
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