If your business has 6 or more employees in Nevada, has been in business at least 3 years, and offers no qualified retirement plan, Nevada Employee Savings Trust requires you to register or certify an exemption. All announced registration deadlines have passed.
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Informational only, not legal or tax advice.
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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.
Newly eligible employers: by notification.
If your group's date has passed and you have not registered, register or certify an exemption now.
NRS 353D.060, 353D.070, 353D.150, 353D.300. Official program: Nevada Employee Savings Trust official site. Verified September 17, 2026.
You must take part if your business has 6 or more employees in Nevada and you do not offer a qualified retirement plan, such as a 401(k) or SIMPLE IRA. The section above explains exactly how Nevada counts your employees.
Every announced Nevada Employee Savings Trust deadline has passed. If you have not registered or certified an exemption, do it now.
Nevada has no dollar penalty for employers. You still need to register or certify an exemption.
Offer your own qualified retirement plan and certify it with Nevada Employee Savings Trust. What counts in Nevada: 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.
Nevada Employee Savings Trust spares you from running a plan, but it allows no employer match and caps each saver at the IRA limit ($7,500 for 2026). A 401(k) allows up to $24,500 per employee for 2026, lets you add a match, and credits can offset much of the startup cost for eligible employers.
Book a free 15-minute compliance audit. We'll show your exact requirement, your real exposure, and whether your own plan saves you money.