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.

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)

© Copyright 2026, Georgetown University.
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:

  • VA: 4/23; IL: 5/13; CO: 5/19; CA: 5/21; OR: 5/28;
    NJ: 5/29; DE: 6/2; MA: 6/2; CT: 6/12; HI: 6/16;
    ME: 6/17; MD: 6/22; MN: 7/14; NV: 7/15

Recent program action:

  • On April 8, 2026, Mississippi Governor Reeves signed into law a new voluntary Work and Save Program, a payroll deduction IRA, making Mississippi the 22nd enacted state-facilitated retirement savings program.
  • On April 6, 2026, Virginia Governor Spanberger signed into law program amendments for RetirePathVA, expanding the employers and workers eligible for the program.
  • On March 24, 2026, Governor Cox signed into the law its new voluntary Utah Retirement Plan Exchange, making Utah the 21st enacted state-facilitated program.
  • As of April 13, 2026, 17 of the 22 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 March 31, 2026, state auto-IRA programs report $2.79 of the $2.85+ billion in assets administered across state programs and more than 1.2+ million funded accounts.

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