New York Retirement Mandate: New York Secure Choice

New York Secure Choice is rolling out in 2026. With 10+ employee threshold, tens of thousands of NYC-area employers will be required to comply. Start planning now.

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NY Secure ChoiceENFORCING

State program

10+ employees

Employee threshold

Up to $100 / employee / yr (escalating)

Non-compliance penalty

// 60-second check

What does New York actually require?

Set your headcount for your real exposure — data verified against the statute.

Your state

Number of employees

Informational only — not legal or tax advice.

Annual exposure · New York

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Get your full breakdown + a private-plan savings estimate:

// state plan vs your own

You can comply two ways. Only one builds anything.

The state auto-IRA

Compliance, nothing else

No employer match allowed
Low Roth-IRA contribution limits
One-size-fits-all investments
No tax credits for your business

RECOMMENDED

Your own 401(k)

Compliant — and working for you

Match if and when you want
Far higher contribution limits
SECURE 2.0 credits offset setup
A real recruiting & retention perk

// frequently asked

Asked by employers here.

When does New York Secure Choice take effect?

New York Secure Choice is expected to begin enforcement in 2026 for employers with 10+ employees (registration now open — enroll or file exemption).

What will the NY Secure Choice penalty be?

Penalty amounts are still being finalized, but other states have not published final penalty amounts.

How can NYC employers prepare now?

Set up a qualifying retirement plan before the mandate kicks in. This exempts you AND qualifies you for SECURE 2.0 tax credits of up to $5,000/year.

Find out where you stand — before the state does.

Book a free 15-minute compliance audit. We'll show your exact requirement, your real exposure, and whether your own plan saves you money.

Free 15-minute audit

No obligation · (732) 444-8686

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