The Impact of ERISA on State-Sponsored Retirement Plan Designs

A state-sponsored retirement savings plan could help millions of private-sector workers who are not covered by an employer plan build financial security. Several features will help a plan become more effective and produce more secure retirements. This report discusses how states can create a retirement saving plan that complies with ERISA or falls outside its scope. Using those structures, states can help employees of small businesses save their own money without imposing a burden on their employers.


Staff Contact: David John,, 202 434-3865

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