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  • What benefits does the program offer and why was it created?

    Nearly 940,000 Colorado workers lack access to a qualified retirement savings plan at work. To address this urgent need, the Colorado Legislature passed a law that created Colorado SecureSavings to make it easier for more workers to save for their retirement. The program uses automatic enrollment...

  • What benefits does the program offer and why was it implemented?

    Too many employees in Colorado lack access to a qualified retirement savings plan at work. The Colorado Legislature passed a law that created Colorado SecureSavings to make it easier for more workers to save for their retirement. The program specifically aims to lower the barriers of participating...

  • What do employees need to do after I enroll them?

    Your employees will receive information directly from the Colorado SecureSavings program and can choose to stay automatically enrolled in Colorado SecureSavings or opt out; they have 30 days to decide after you add them to the program. If they stay enrolled, the payroll deductions that they elect...

  • What do employers need to facilitate the State's program?

    To register, you just need your EIN and the Access Code we provide to you via email or letter. After that, you’ll provide your preferred contact information, a list of your employees, and your payroll information. And 30 days later, you’ll need to update your participating employees’ contribution...

  • What does automatic enrollment mean?

    It means that if an employee takes no action during the 30 day opt-out window for the program, a Roth IRA will be opened in their name and their payroll contributions will start. Employees who are automatically enrolled in the program will have the default contribution settings elected.

  • What does the administrative fee pay for?

    It covers all administrative costs associated with the program, such as the cost of maintaining your account, oversight of the program’s investments, providing customer service, keeping records, online and phone services, and the operating expenses of the underlying investment funds in which the...

  • What happens if I opt out?

    You can opt out at any time. If you opt out within the 30-day period after the program notifies you about being enrolled, no payroll deductions will be made from your paycheck, and your account will not be activated. If you choose to stop participating after contributions have begun, payroll...

  • What happens to my account if I change employers?

    Your Colorado SecureSavings account belongs to you. Your money remains in your retirement savings account under your control. If your new employer facilitates the program, Colorado SecureSavings will notify you and payroll contributions will begin at your new job. You can also opt out at any time....

  • What happens to my account if I move out of state?

    Your Colorado SecureSavings account belongs to you. If you continue to work for an employer that facilitates Colorado SecureSavings, you can continue to participate and continue payroll contributions. If a new employer doesn’t facilitate the program, you can make contributions directly from your...

  • What happens to my money if I die with no named beneficiaries?

    If you die and have no named beneficiaries, the account will be payable to your estate under the terms of the IRA. Accounts that become unclaimed property will be subject to applicable law.