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UPDATED FOR 2026 · STATUTE-VERIFIED

Virginia Retirement Mandate: RetirePath VA

RetirePath Virginia requires employers with 5+ employees operating 2+ years to register or offer a private plan. Richmond and Northern Virginia employers face active enforcement.

RetirePath VirginiaENFORCING
State program
5+ employees
Employee threshold
Up to $200 / employee / yr
Non-compliance penalty
// 60-second check

What does Virginia actually require?

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

Informational only — not legal or tax advice.

Annual exposure · Virginia

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.

Who must comply with RetirePath VA?

Virginia employers with 5+ employees who have been in business at least 2 years and don't offer a qualifying retirement plan.

What is the RetirePath VA penalty?

$200 per eligible employee per year for non-compliance.

How do Virginia businesses opt out of RetirePath?

Offer a qualifying private retirement plan. SECURE 2.0 Act credits can cover up to $5,000/year for 3 years.

// local guides

Virginia guides by city.

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

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