Better 401(k) Compliance for State-Mandated Retirement Laws
Switch to a flexible 401(k) solution—perfect for businesses in CA, IL, NY, MN, and more.
Don’t Settle for State Plans—Choose Consilium Plus
State-mandated retirement laws are here or coming soon across the U.S., from CalSavers (CA) and Illinois Secure Choice to MN Secure Choice (starting Jan 2026) and NY Secure Choice Savings Program. Many business owners in states like CA, IL, and OR are frustrated with state programs’ limited options, rigid portals, and poor service. Don’t risk penalties or settle for less—Consilium Plus offers a better 401(k) solution for businesses in:
- Active States: CA, CO, CT, DE, IL, MA, MD, NJ, OR, VA, WA
- Upcoming States: HI, MN, MO, NV, NM, NY, RI, VT Let us help you comply smarter, not harder.
Why Choose Consilium Plus Over State Plans?
Our 401(k) solution outshines state programs like CalSavers, OregonSaves, and RetireReady NJ:
- Discover a 401(k) with Expert Guidance – At No Cost to You - Launch your 401(k) confidently with our $3,500 educational training and onboarding support—fully offset by tax credits (up to $16,500 over 3 years for qualifying businesses). We educate your team on 401(k) benefits, assist with employee onboarding, and provide ongoing support as your dedicated contact. Curious how your first 3 years of 401(k) expenses can be covered? Book an appointment today! Let’s make compliance effortless.
- Seamless payroll sync with 500+ platforms, unlike state plan restrictions.
- Stress-Free Compliance – Our solution handles the 5500 form signing for you, freeing you from the burden of accuracy and responsibility. Plus, your employees enjoy mobile access to manage their savings, driving a 40% satisfaction boost (per Betterment).
Avoid the inflexibility of state plans and give your employees a retirement plan they’ll love.
Benefits of a Consilium Plus 401(k) in Any State
We make compliance easy across states like CO, CT, DE, and beyond:
- Tailored setup for mandates like MyCTSavings (CT) or DE EARNS (DE).
- Mobile access for employees, unlike rigid state portals in MD or VA.
- Proven results for businesses with 401(k)s:
* Consult your CPA for actual tax deductions. Source: Wolters Kluwer, Betterment, Benzinga, BLS.
**The statistics come from articles and research by Wolters Kluwer on the Popularity of 401k Plans. Betterment’s Analysis on Employer Match Benefits, Benzings’s reporting on Employer Match Rates, and BLS data.
State-Specific Deadlines and Requirements
- CA (CalSavers): Active—1+ employees must register by Dec 31, 2025, or face $250/employee fines.
- IL (Illinois Secure Choice): Active—5+ employees, register ASAP or face civil penalties.
- OR (OregonSaves): Active—1+ employees, comply now or face penalties.
- NJ (RetireReady NJ): Active—25+ employees, Nov 15, 2024, deadline passed; fines up to $500/employee.
- MN (MN Secure Choice): Starts Jan 2026—5+ employees must offer a plan.
- NY (NY Secure Choice Savings): In development—10+ employees, coming soon.
- VT (VTSaves): 5-14 employees by Jul 1, 2026—prepare now! Check your state’s status and switch to a better 401(k) today.
Frequently asked questions
CA, CO, CT, DE, IL, MA (nonprofits), MD, NJ, OR, VA, and WA have active programs like CalSavers and MyCTSavings.
HI, MN, MO, NV, NM, NY, RI, and VT are rolling out programs like MN Secure Choice (Jan 2026) and VTSaves.
Yes, if you have 5+ employees in most states (e.g., CA: 1+, IL: 5+, NJ: 25+). Check your state’s rules.
No, not for state plans or our 401(k)—your choice to contribute.
Yes, they can opt out of both state plans and our 401(k).
Yes, it’s mandatory in states like CA, IL, MN—switch to our 401(k) for flexibility.
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