Rhode Island Retirement Mandate: RISavers

Rhode Island RISavers is launching for employers with 5+ employees. Providence-area businesses should start planning now — penalties are being finalized.

Check your exposure Book a free 15-min audit

RISaversCOMING SOON

State program

5+ employees

Employee threshold

Penalty not yet set

Non-compliance penalty

// 60-second check

What does Rhode Island 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 · Rhode Island

—

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.

What is Rhode Island RISavers?

RISavers is Rhode Island's forthcoming state-mandated retirement savings program for employers with 5+ employees.

When does RISavers enforcement begin?

Enforcement details are being finalized. Providence-area employers should evaluate options now.

How do RI employers avoid RISavers?

Offer a qualifying 401(k) or IRA plan. SECURE 2.0 tax credits can cover startup costs.

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

Book my free audit