Program details for employers

Employer eligibility

All qualified Colorado businesses are required by law to facilitate Colorado SecureSavings if they:

  • have been in-business for two or more years

  • have five or more employees

  • do not already offer a retirement savings plan for any employees

Registration information

You’ll be notified by Colorado SecureSavings when it’s time for your business to register. To begin, you’ll need:

  • Your Federal Employer Identification Number (EIN)

  • Colorado SecureSavings Access Code from your notification

Not sure if your plan qualifies for exemption?

Visit our Frequently asked questions to find out or contact Client Services at 1-844-692-1073.

Already offer a retirement plan?

Colorado SecureSavings was created for employers that don’t currently offer a qualified retirement savings plan for their employees. If you already offer one, you simply certify your exemption using your access code when the program fully launches.

Learn more

Your role in three easy steps

We know that running your business is your top priority. That’s why Colorado SecureSavings is easy to set up and requires only light account maintenance. The process takes just three quick steps. We’ll take care of the rest, at no cost to you.



All Colorado business owners will be able to register when the program officially launches in early 2023.



Upload your employees’ payroll information and submit your employees’ savings contributions levels. You can even invite a payroll representative to help you facilitate this process. Your payroll representative can be an Admin, a teammate, or even your bookkeeper or payroll administrator.



Keep your employee records up to date. This includes submitting your payroll details every pay period and keeping your employees’ payroll contributions and staff list up to date.

Things you will NOT be responsible for

As an employer, you’ll have a limited role in facilitating Colorado SecureSavings so you can stay focused on running your business. You will not be responsible for:

  • Setting up your employees’ retirement savings accounts. This happens automatically.

  • Answering questions about Colorado SecureSavings and its investment options, or helping employees choose investments.

  • Managing Colorado SecureSavings investment options and processing employee investment change requests.

  • Processing distributions from employee investment accounts.

  • Managing employee investment account changes. Your employees will be responsible for maintaining their account information and settings if enrolled.

Have questions?

We have answers in our FAQs.

Read the FAQs

Download our registration checklist and see how simple it is to register your business in Colorado SecureSavings