Washington Retirement Mandate: Washington Saves

Washington Saves is in development with expected rollout in 2027. Seattle-area employers have time to act proactively — a new private plan may qualify for SECURE 2.0 tax credits.

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Washington SavesCOMING SOON

State program

TBD

Employee threshold

Penalty not yet set

Non-compliance penalty

// 60-second check

What does Washington 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 · Washington

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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 Washington Saves start?

Washington's marketplace program is now active (voluntary) to launch in 2027. Employee threshold and penalty amounts are still being finalized.

Do Seattle employers need to act now?

Acting now is smart. Setting up a private plan before the mandate qualifies you for SECURE 2.0 credits and builds employee loyalty.

What private plan options do Washington employers have?

401(k), SEP IRA, and SIMPLE IRA plans all qualify as exemptions. Many Seattle small businesses are using SECURE 2.0 credits to fund plans at zero net cost.

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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