by the Brightmine Editorial Team
To incentivize increased retirement savings and improve the future financial security of employees of private companies, several states have passed and implemented laws that require covered employers to facilitate optional employee contributions to individual retirement accounts (IRAs) run by the state.
Our 50 state chart includes each state’s major IRA program requirements, including:
- the program’s status
- employer coverage
- employee eligibility
- employer requirements to facilitate employee enrollment and participation
- employee contribution rates
- and employer withholding and remittance requirements.
In addition to information regarding programs that are in effect, the chart includes information for states that have passed a law establishing a mandated IRA program but have not yet fully developed or rolled out the program for employer registration and employee enrollment and participation.

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For full access to our 50 State Chart:
Mandated individual retirement account programs by state and municipality
, sign up for an HR and Compliance Center subscription today.
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For full access to Mandated individual retirement account programs by state and municipality, sign up for an HR and Compliance Center subscription today.
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Brightmine
With more than 10,000 customers, Brightmine is a leading global provider of people data, analytics and insight – empowering HR leaders to deliver brighter business outcomes.
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