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AARP Survey of Small Business Owners in Hawaii

Hawaii State Capitol Building. An eternal flame monument is in the foreground.


Data from this survey show solid support among Hawai'i small business owners for a state retirement savings program in Hawai'i. In fact, seven in ten say they would support a privately managed, ready-to-go retirement savings option that would help small businesses offer employees a way to save for retirement. Additionally, most small business owners agree that state lawmakers should support a state retirement savings program. 

Nearly two-thirds (64%) express concern about their employees not having enough money to cover health care or living expenses when they retire, with one in three (34%) saying they are very concerned. Most (75%) small business owners in this survey also express concern as taxpayers that some Hawaiians have not saved enough money for retirement and could end up relying on a public assistance program.

Almost two-thirds (63%) of the small business owners in Hawai'i who responded to this survey say they do not offer a retirement savings plan. When asked how likely they would be to offer their employees access to the retirement savings program being proposed, most say they would be likely to offer it (very: 28%; somewhat: 41%).

The phone survey was conducted among 452 small business owners or decision makers about employee benefits at companies with 1–100 employees. Interviews were conducted October 2–30, 2018. Sample, including owner names and companies, came from a Dun & Bradstreet business list and therefore the data is unweighted.

For more information, please contact Jennifer Sauer at For media inquiries, contact

Suggested Citation:

Sauer, Jennifer. AARP Survey of Small Business Owners in Hawaii. Washington, DC: AARP Research, January 2019.

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