“Employee Retirement Plan Coverage: 2026 Options and Credits“
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You hired a few employees this year, and somewhere between payroll and paperwork, your state may have just decided you need a retirement plan — whether you asked for one or not.
Fifteen states already require it, the employee thresholds are lower than you’d guess, and the plan design everyone assumes is for big companies only turns out to be a simple checkbox away from working in your favor instead of your staff’s.
Two states make an employee retirement plan mandatory with a single employee. One state’s penalty for ignoring it runs up to $1,500 per employee, per year.
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