Free employer tool
Does your state require a retirement plan?
Pick your state and enter your headcount. See whether the state auto-IRA mandate likely applies, the deadlines, and what it means for your 1099 contractors. No signup.
Common questions
Which employers do state retirement mandates cover?
Each state sets its own trigger, usually a minimum number of W-2 employees and no existing qualified retirement plan. Some also require the business to have operated for a set number of years.
Do state mandates cover 1099 contractors?
No. Every state auto-IRA mandate counts W-2 employees. A business is not required to enroll its independent contractors, though some programs let self-employed people sign up on their own.
What if I already offer a 401(k)?
Employers with a qualified plan are generally exempt, but many states require you to certify the exemption with the program.
Is this legal advice?
No. This is a free screening tool built from public state program sources. Confirm your obligations with the state program.
See every state side by side in the state auto-IRA tracker, or estimate what a benefit is worth with the retention calculator.
Gigaverse Ai, Inc. is a software company. It is not a bank, broker-dealer or registered investment adviser and does not provide tax, legal or investment advice. Gigaverse does not offer a 401(k) or SEP IRA plan today, and the portable Roth IRA is not yet open; when it opens, custody will be at a FINRA/SIPC-member broker-dealer. See disclosures.