17 states now mandate retirement plan access for employees. Fines start at $250 per employee — and most small business owners find out after the first penalty letter.
Find out if your business is compliant — before the state finds you. No obligation.
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A clear answer in 48 hours — no guesswork, no pressure.
We check your state, employee count, and current plan status. You get a clear yes/no on compliance in 48 hours.
States are actively sending fine notices. A 5-minute conversation can save you thousands.
If you need a plan, we set it up fast. Most businesses are covered in under 2 weeks.
Whether you have 1 employee or 500, we find the right plan structure for your size.
See the difference at a glance.
| Feature | No Plan | Compliant Plan |
|---|---|---|
| State penalty exposure | $250–$500/employee/year | $0 |
| Employee retention risk | High — competitors offer retirement | Low |
| Owner tax benefit | None | Up to $5,000 tax credit (SECURE 2.0) |
| Setup complexity | N/A | Handled for you in under 2 weeks |
| Ongoing cost | Fines + back penalties | Low — often under $500/year for small businesses |
From a recent client engagement.
Owner received a CalSavers-equivalent notice.
Fine exposure: $3,000/year
Plan cost after setup: $420/year
Tax credit available: $5,000 (SECURE 2.0)
Net first-year savings: $7,580
Find out if your business is compliant before the state does.
Get My Free Compliance Audit →