State Initiatives 2019: New Programs Begin Implementation While Others Consider Action

At least 16 states and cities introduced legislation in 2018 to address the retirement savings gap among private-sector workers. Since 2012, 43 states have acted to implement, study or consider legislation to establish state-facilitated retirement savings programs. Of these, 11 states and 1 city have enacted new retirement savings programs for private sector workers. In the 2019 legislative sessions, states and cities appear ready to continue to lead with new, innovative programs and proposals.

For access to the most up-to-date, interactive 2019 state map, with detailed tracking of implementation status, legislative action, and summaries of bills introduced at the state and local level, visit State Programs and Legislation (log in required).

11 New Programs

To date, new programs have adopted one of these four models:

There are now 11 retirement savings programs for private sector workers that have been enacted – California (auto-IRA), Connecticut (auto-IRA), Illinois (auto-IRA), Maryland (auto-IRA), Massachusetts (MEP), New Jersey (marketplace), New York (voluntary payroll deduction IRA), Oregon (auto-IRA), Vermont (MEP) and Washington (marketplace) and the city of Seattle (auto-IRA).

Many are taking steps to implement their programs. Oregon has now opened its program to all eligible employers and interested individuals in the state. The Washington State Retirement Marketplace opened for business on March 19, 2018. As of November 2018, California has started its official pilot program registration and enrollment and Illinois has begun registering employers with more than 500 employees as part of its official program rollout. The other states continue to make steady progress. Between now and 2020, several of these programs will be fully implemented.

2019 Legislative Action

Visit the CRI Partners Homepage to access the most up-to-date 2019 state legislative map, detailed information on the progress of state program implementations, the State Resource Center and much more.

Last Updated 1/8/2019.