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In an effort to expand retirement plan coverage to millions of Americans, 20 states have enacted retirement savings programs for small businesses, and 17 states require enrollment if employees aren’t covered by an employer-sponsored retirement plan.1

1 Georgetown University Center for Retirement Initiatives, January 2025 State Program Status

2 IRS, Retirement Plans Startup Costs Tax Credit   

3 Gusto, “One Secret to Retaining Top Talent? Offering Retirement Benefits,” November 2022 

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