This latest CRI report analyzes FINRA’s National Financial Capability Study from 2012-2024 and finds that the most common vulnerability among retirement savers is a lack of emergency savings, followed by burdensome debt, spending that exceeds income, and limited financial literacy. After improving through 2021, these conditions deteriorated by 2024. States with the highest share of retirement savers reporting two or more vulnerabilities include Arkansas, Kansas, Mississippi, West Virginia, and Wyoming. View the summary blog post.

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Download National and State-Level Estimates

Highlights

View 2026 State Program & Legislative Activity Map

View State Program Performance Data – $2.96+ Billion in Total Assets (with $2.9 Billion in the Auto-IRA Programs) as of February 28, 2026

59+ Million Full and Part-Workers Lack Access to Retirement Savings. Who Lacks Access in Your State?

Blog Post: Adding Private Markets Assets to the Plan Sponsor Toolbox

Podcast – Congressional and Administration Priorities for 2026

Webinars – Register for March 17 and March 25 events

Latest from the CRI

CRI State Resources
Program Data | SBA Profiles | Access Fact Sheets | Employer Timelines | FAQs | Program Snapshots | Resource Center

2026 State Program & Legislative Activity Map

Click on the map to view program information quick links (red shaded states)
Login to view detailed 2026 state legislative activity updates (green states)

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Source: Georgetown University's Center for Retirement Initiatives
Auto-IRA programs
Other programs
☆ denotes program active
Pending legislative proposals
Recent state efforts
No recent state efforts

State Program Action Updates

Upcoming board meetings:

  • HI: 3/17; WA: 3/17; CT: 3/20; MD: 3/23; NV: 4/15;
    IL: 5/13; CO: 5/19; CA: 5/21;OR: 5/28; NJ: 5/29;
    MA:     6/2; DE: 6/2; ME: 6/17

Recent program action:

  • On March 9, 2026, Treasury/IRS published 2 notices of proposed rulemaking (NPRMs) related to Trump Accounts. One for the pilot (comments due 4/8/26), and one for the accounts (comments due 5/8/26).
  • As of February 28, 2026, 17 of the 20 state programs (15 auto-IRA – CA, CO, CT, DE, IL, MD, ME, MN, NJ, NV, NY, OR, RI, VA, VT) and 2 others – MA (MEP) and WA (Marketplace) are open to all eligible employers and workers.
  • As of February 28, 2026, state auto-IRA programs report $2.9 of the $2.96+ billion in assets administered across all state programs and more than 1.2+ million funded accounts.
  • On February 18, 2026, CalSavers released an RFP for a program consultant. Bids are due March 20, 2026.
  • On February 10, 2026, the Hawaii Retirement Savings Board voted to enter Connecticut’s Multistate Alliance for Retirement Security.
  • On February 3, 2026, Treasury published a Request for Information (RFI) for input in shaping the National Strategy for Financial Literacy (comments due 4/6/26).

View All State Updates →

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Federal Proposals

119th Congress, 2nd session

119th Congress, 1st session

→ See more from the 119th Congress, 2nd Session and previous sessions

International Programs

Social Security Administration’s International Updates

OECD Pensions Outlook 2024

Mercer CFA Institute Global Pension Index 2025

OECD Pensions at a Glance 2025

→ View international reports and country updates (login may be required)

CRI in the News

Small 401(k)s may automatically follow workers to their next job — except Roth money (CNBC, March 9, 2026)

Golden Years Have Lost Their Gleam (The Columbus Dispatch, March 1, 2026)

Your State (and Trump) Wants to Help You Save for Retirement. Here’s How (Kiplinger, February 26, 2026)

RetirePath Program Director Peter S. Thompson Received National “Best of the State” Award (Yahoo Finance, February 23, 2026)

Applying fiduciary principles to private market allocations in DC plans (Pensions & Investments, February 16, 2026)

Where businesses must offer employees a retirement plan (CNN, February 16, 2026)

→ See more coverage of CRI or submit a media inquiry.

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