State Initiatives 2021: More New Programs to Launch While Others Consider Action


States will continue to lead with new, innovative programs and proposals during the 2021 legislative sessions. For access to the most up-to-date, interactive 2021 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).

During the 2020 legislative sessions, at least 20 states and cities introduced legislation to establish new programs or form study groups to explore their options. Since 2012, at least 45 states have acted to implement a new program, study program options, or consider legislation to establish state-facilitated retirement savings programs. Today, there are 13 states and 2 cities that have enacted new programs for private sector workers.

15 Programs (13 states and 2 cities)

To date, new programs have adopted one or a combination (“Hybrid”) of these four models:

There are now 15 enacted retirement savings programs (13 states and 2 cities) for private sector workers.

Individual Retirement Account
Voluntary Payroll Deduction IRA Voluntary Marketplace Voluntary Marketplace and Voluntary Payroll Deduction IRA
Voluntary Open Multiple Employer Plan



New Jersey
New York City

Seattle, WA

New York Washington
New Mexico Massachusetts

As of March 31, 2021, 5 states are currently open to employers and workers. Oregon launched in 2017 is now open to all eligible employers and individuals in the state. California is in the process of registering employers as part of its official program rollout between now and 2022, and Illinois has already rolled out its three waves of employer registrations. Massachusetts’ CORE MEP opened for enrollment in October 2017, and the Washington State Retirement Marketplace opened in March 2018.

During 2021, an additional 4 state programs are expected to launch: Connecticut, Maryland, Vermont, and Colorado.

For an overview of all the state programs, see State-Facilitated Retirement Savings Programs: A Snapshot of Plan Design Features (20-02, August 31, 2020 UPDATE)


Visit the CRI Supporters Homepage to access the most up-to-date 2021 state legislative map, detailed information on the progress of state program implementations, the State Resource Center and much more.

2020 Legislative Map