State-mandated retirement plans
Over 70% of U.S. states have passed or proposed laws requiring small businesses to offer retirement benefits. Ensuring your business complies can help you avoid potential penalties.
State retirement plan mandates
Use the map below to view the retirement mandate status in your state
Active Mandate
Pending Launch
Legislation Introduced
No Program or No Mandate
State plan vs. WealthRabbit
See how WealthRabbit stacks up against your state-mandated retirement plan. Discover the key differences in flexibility, cost, and features to find the right fit for your business.
| Feature | State plan | WealthRabbit |
|---|---|---|
| Fully digital setup | Often limited or paper-based | 100% digital, set up in minutes |
| Plan type | Roth IRA only (in most states) | SIMPLE or SEP IRA |
| Employer flexibility | Low | High - choose contribution % |
| Employer eligibility | Strict - based on hours worked | Flexible - fits your team |
| Support | Generic | Personalized, small business support |
| Payroll integration | Rarely | Yes |
| Costs | Varies by state | Simple, transparent pricing |
Why choose WealthRabbit?
We’re not just checking a box—we’re helping small businesses build real retirement security.
Compliant with
state laws
Plans designed for
small teams
Simple setup,
100% digital
Affordable pricing with
full control
Frequently asked questions
It’s a retirement savings program required by some states for businesses to offer their employees, usually a Roth IRA run by the state.
If your business is in a participating state and meets the employee threshold (often 5+ employees), yes. Rules vary by state.
You could face fines or penalties from your state. Some states charge fees for each eligible employee if you miss the deadline.
State plans are usually one-size-fits-all Roth IRAs. WealthRabbit offers flexible, fully digital plans with more options and support for employers.
State plans are limited to Roth IRAs with fewer features. WealthRabbit offers more flexibility, support, and options for employers and employees.
Retirement planning that supports your success
Join hundreds of small businesses and individuals building real financial security with
WealthRabbit - fully digital, fully automated, fully yours.