Summary At a Glance
- New York employers with 10 to 14 employees must register for the New York Secure Choice Savings Program or certify an exemption by July 15, 2026.
- Covered employers that do not offer a qualified retirement plan must facilitate access to the state-run Roth IRA program.
- Employers that already offer a qualified retirement plan should still certify their exemption through the Secure Choice portal.
- Employers should verify their employee count, confirm retirement plan status, and locate their unique Access Code before the deadline.
As we enter the month of July, New York employers should be aware of the final registration deadline under the New York Secure Choice Savings Program. This state-mandated retirement initiative requires covered private-sector employers to either facilitate employee access to the state-run Roth IRA program or certify that they already offer a qualified retirement plan.
The program has been rolling out in phases based on employer size. The final phase applies to employers with 10 to 14 employees, who must register or certify their exemption by July 15, 2026.
Recommended Next Steps for Employers
To stay compliant, employers should verify their employee count and confirm whether their current retirement offerings qualify for an exemption. If action is required, employers will need to locate the unique Access Code sent by the state to log into the Secure Choice portal.
Employers that already offer a qualified retirement plan should still take action by certifying their exemption through the portal.
For a full breakdown of the registration process, please review our previous post.
