mandato-jubilacion-estatal

Programas de jubilación exigidos por el estado: ¿Está preparado?

Many states now require employee retirement savings options. A Paychex 401(k) plan offers advantages over state IRAs:

  • Potential tax credits up to $16,500 for small businesses¹
  • Créditos anuales adicionales con contribuciones del empleador¹
  • Mayor flexibilidad y control
Hable con un especialista en jubilaciones

¿Qué está pasando en su estado?

State retirement rules aren't one-size-fits-all. Do you have employees in different states? You could be juggling multiple sets of requirements.

Click on any state to see what you're dealing with.

Paychex 401(k): Beneficios integrales que los planes estatales simplemente no pueden igualar

Cumpla con los mandatos estatales con facilidad

Planes 401(k) de Paychex:

  • Fully satisfies state retirement plan requirements
  • Includes expert help with setup and ongoing administration

Help Employees Save More, Faster

Planes 401(k) de Paychex:

  • Offer over 3x the contribution limit of IRAs, meaning employees can potentially build retirement savings faster and more effectively

Maximizar los créditos fiscales

Los planes 401(k) de Paychex son:

  • Elegible para créditos fiscales de la Ley SECURE—hasta $16,5001
  • Potentially eligible for an additional $1,000/year in credits with employer contributions1

Simple Payroll Integration

Elija el 401(k) de Paychex y:

  • Seamlessly integrate with Paychex payroll—one platform, one provider
  • Get support from the nation’s leading 401(k) plan provider2
View Paychex Retirement Options

Cuenta IRA estatal o plan 401(k): ¿Cuál es mejor para su empresa?

El plan IRA frente al 401(k) de Paychex

Estado: IRA

Plan 401(k) (que se ofrece con Paychex)

Límite máximo de contribución de los empleados (2025)

$7,000

$23 500

Opción de aportes con igualación del empleador

No

Sí, a discreción del empleador

Créditos fiscales para empleadores

No disponible

Posibles créditos fiscales de hasta $5500 por año durante los primeros tres años.

Posibles créditos con contribución del empleador de $1000, como máximo, por empleado2.

Tareas del empleador

El empleador procesa las contribuciones de nómina, actualiza las tasas de contribución, agrega nuevos empleados elegibles, etc.

Paychex simplifica la administración encargándose del mantenimiento de registros

Comenzar con Paychex 401(k) es sencillo

Póngase en contacto

Fill out our form to speak with a retirement plan specialist who can answer your questions.

We’ll Help You Find the Right Plan

Do you want full control or prefer we handle everything? We'll help you choose the right level of service for your business.

We’ll Help You Get Set Up

We'll guide you through setup and employee enrollment so you can launch your plan with confidence.

Contáctenos

Complete 401(k) Solutions: From Setup to Management

Our platform makes everything easier—from signing up employees to managing accounts and staying compliant.

  • Easy Account Access

    Easy Account Access

    Gestione fácilmente las cuentas, verifique los montos de las contribuciones para la jubilación, maximice las contribuciones del plan 401(k), analice el rendimiento de las inversiones y mucho más desde el panel de la cuenta.

    Panel de control de jubilación en Paychex Flex
  • Regístrese en 4 clics

    Regístrese en 4 clics

    La función de inscripción rápida permite a los empleados registrarse en un plan de jubilación con tan solo cuatro clics. Cuando integra la nómina, puede ver fácilmente quién es elegible para su plan de jubilación elegido.

    Una vista de los empleados que están y no están inscritos en un plan de jubilación
  • Deje que nosotros nos encarguemos del trabajo pesado

    Deje que nosotros nos encarguemos del trabajo pesado

    Simplify processes like 401(k) investment selection, changing plan contributions, and checking the status of a loan. For even more convenience, our Pooled Employer 401(k) Plan offers simplified administration and enrollment, reduced fiduciary liability, and savings potential.

    Inversiones para la jubilación en Paychex Flex
  • Soporte de cumplimiento

    Soporte de cumplimiento

    As part of our retirement services, our Paychex Flex® platform can improve reporting accuracy, collect important data, and our retirement specialists are available when you need them for expert advice and compliance assistance.

    Retirement compliance forms

La importancia de ofrecer un plan de jubilación

Un gran porcentaje de estadounidenses no está guardando los activos suficientes para mantener su estándar de vida cuando se jubilen, y el problema solo está empeorando para las generaciones más jóvenes.

80%

of all workers feel people in their generation will have a much harder time achieving financial security.3

60 %

of workers concerned about governmental changes are worried about their Social Security benefits being reduced.4

1/4

El 25% de los trabajadores civiles y el 28% de los trabajadores de la industria privada en EE.UU. no tienen acceso a un plan de ahorro para la jubilación.5

69%

de los trabajadores creen que podrían trabajar hasta la jubilación y aún así no ahorrar lo suficiente para satisfacer sus necesidades 3

How a California Business Made Retirement a Fixture

Dado que el estado de California exige que la mayoría de los empleadores ofrezcan un plan de jubilación para sus empleados, Plumbing M.D. aprovechó la oportunidad y recurrió a Paychex.

La empresa vio algunos resultados sorprendentes: 100 % de participación en su plan 401(k) de Paychex y empleados menores de 30 años que están entusiasmados con el plan.

Plumbing M.D.
Plumbing Doctor
1:05

Unlock More Value with Additional Paychex Services

Experience the strength of Paychex through seamless, integrated solutions on our all-in-one platform.

Beneficios para empleados

Complete your benefits package with health plans and perks that help you hire and retain the best people.

Servicios de recursos humanos

Get help with employment, tax, and state-mandated compliance matters, and more with Paychex HR Services.

Nómina

Streamline retirement plan administration by automatically handling employee deductions and contributions in one integrated system.

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un empleado que compara el plan de jubilación patrocinado por el estado y el plan 401(k) patrocinado por el empleador

¿Cuál es la diferencia? Plan de jubilación patrocinado por el estado vs. plan 401(k) patrocinado por el empleador

Beneficios para empleados

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legislación estatal de jubilación

Programas estatales de jubilación: Lo que todas las empresas deben saber

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Preguntas frecuentes sobre el plan de jubilación estatal

  • What Is State-Mandated Retirement Savings for Businesses?

    What Is State-Mandated Retirement Savings for Businesses?

    State-mandated retirement savings is a requirement in many states where businesses must either offer their own employee retirement plan or enroll in the state's retirement savings program. If businesses fail to comply with state requirements, they may face penalties. The specific rules, deadlines, and penalties vary by state and business size.

  • ¿Qué estados tienen planes de jubilación obligatorios?

    ¿Qué estados tienen planes de jubilación obligatorios?

    Multiple states have already launched active mandatory retirement savings programs, including early adopters like Oregon, Illinois, and California. Many additional states have enacted legislation with programs in various stages of implementation, while others are actively considering similar requirements.

    The landscape of state-mandated retirement programs continues to evolve rapidly, with new states regularly:

    • Enacting mandatory retirement plan legislation
    • Launching operational programs
    • Actualización de los requisitos del programa existente
    • Modifying compliance deadlines and penalties

    Due to the rapidly changing nature of state-mandated retirement legislation, employers and benefits professionals should regularly check current requirements for their specific states. Program details, compliance deadlines, and eligibility requirements are subject to change as states refine their programs and new states enact similar legislation.

    For the most current information on specific state requirements, penalties, and implementation timelines, refer to our interactive state map and subscribe to receive updates for your state's mandatory retirement program developments.

    Impacto en los empleadores

    Employers in states with mandatory retirement programs must either:

    • Ofrezca un plan de jubilación calificado (como un 401(k)), o
    • Participe en el programa facilitado por el estado, o
    • Cumpla con criterios de exención específicos, que varían según el estado

    Non-compliance penalties vary by state but can include fines and administrative costs.

  • Is There a Difference Between a State IRA Program and a Traditional 401(k)?

    Is There a Difference Between a State IRA Program and a Traditional 401(k)?

    State IRAs limit contributions in 2025 to $7,000 annually with no employer matching. By contrast, 401(k) plans allow up to $23,500 in employee contributions plus employer matching that can double retirement savings. Paychex 401(k) plans may offer additional investment options and tax savings.

  • Why Do States Require Employers To Offer Workplace Retirement Savings Programs?

    Why Do States Require Employers To Offer Workplace Retirement Savings Programs?

    States require employers to offer retirement savings programs because of a national retirement savings crisis. According to the U.S. Bureau of Labor Statistics, approximately 25% of civilian workers do not have access to retirement savings.4 To address this problem, many states and cities have passed laws requiring employers to help employees save for retirement through workplace retirement programs.

  • ¿Qué tipo de programas de jubilación ofrecen los estados a los empleadores?

    ¿Qué tipo de programas de jubilación ofrecen los estados a los empleadores?

    Most states offer Roth Individual Retirement Accounts (IRAs) for their mandatory retirement programs. These state-sponsored Roth IRAs typically:

    • Automatically enroll employees at 3-5% of their payroll wages
    • Allow employees to opt out or change their contribution amount
    • Require some administrative work from employers
    • Feature state-selected investment options chosen by the state's program board
  • Does My Business Have To Participate in a State-Facilitated Retirement Savings Program?

    Does My Business Have To Participate in a State-Facilitated Retirement Savings Program?

    No, you don't have to participate in your state's retirement program. Instead, you can offer your own private retirement plan, such as a 401(k), to meet your state's requirements. This allows you to maintain control over your employee benefits while still complying with state mandates.

  • Why Should I Consider a Private-Sector 401(k) Plan Versus a State IRA?

    Why Should I Consider a Private-Sector 401(k) Plan Versus a State IRA?

    Un plan 401(k) ofrece varias ventajas sobre los programas IRA estatales:

    • Higher contribution limits: Employees can save significantly more money faster with a 401(k)
    • Tax credits: New 401(k) plans may qualify for SECURE Act tax credits (not available with state IRAs)
    • Reduced administrative burden: Options like Pooled Employer Plans (PEPs) minimize time and management costs.
    • Employee attraction: 401(k) plans are popular with employees and help with recruiting
    • Flexibility: Choose a plan that fits your business needs and employee savings goals

    The best choice depends on your specific business requirements and what your employees need for retirement savings.

  • ¿Cuáles son las sanciones por no cumplir con los requisitos estatales?

    ¿Cuáles son las sanciones por no cumplir con los requisitos estatales?

    Penalties for not complying with state retirement savings laws vary by state and can be expensive. For example:

    • California (CalSavers): $250 por empleado elegible después de 90 días de incumplimiento, aumentando a $500 por empleado después de 180 días
    • Penalties multiply quickly: Even small businesses with only a few employees can face significant fines
    • Costos continuos: Las sanciones generalmente continúan hasta que usted cumpla con los requisitos estatales

    The specific penalty amounts and timelines differ by state, so it's important to understand your state's requirements and deadlines to avoid costly fines.

  • What if I Already Offer an Employee Retirement Plan?

    What if I Already Offer an Employee Retirement Plan?

    If you already offer an employee retirement plan, you can typically register for an exemption from your state's retirement program. This means you won't have to participate in the state IRA program as long as you maintain your existing retirement benefits.

    Para obtener una exención:

    • Póngase en contacto con la oficina del programa de jubilación de su estado
    • Siga el proceso de registro de exención de su estado
    • Provide documentation of your existing retirement plan

    Check your state's specific requirements and deadlines to ensure you properly register your exemption and avoid penalties.

  • How Do I Stay Up to Date on My State’s Retirement Mandate Laws?

    How Do I Stay Up to Date on My State’s Retirement Mandate Laws?

    State retirement mandate laws are constantly changing, with many are still being proposed or implemented. To stay current:

    • Check your state's official retirement program website regularly for updates
    • Monitor implementation timelines: Many laws have delayed or phased rollouts
    • Review compliance deadlines: Requirements often vary by business size and industry
    • Consult with benefits professionals who track state-by-state changes

    Since these laws are evolving rapidly, it's important to stay informed about your state's requirements, deadlines, and any changes that might affect your business.

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