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  • What if an employee already has a Colorado SecureSavings account through another employer?

    No worries. Just provide basic information about the employee, and Colorado SecureSavings will use the information to direct new contributions to the employee’s existing account.

  • What if an employee asks me for advice about the program or its investment options?

    You should not provide any advice about the program or investments. Your responsibility is to facilitate the program only. Instead, advise the employee to visit or call 1-844-711-5001. You could also suggest that the employee speak to a competent financial or tax advisor.

  • What if I already offer a qualified retirement account?

    Employers that offer a qualified retirement plan are not required to participate in the program, but they need to certify their exemption. Simply start the process by providing your EIN and your Access Code. Then, in the space provided, certify that you offer a plan.

  • What if I don’t select investments for my account?

    Program participants who are enrolled using the default savings choices and who do not make any investment selections will have their funds invested automatically in the Capital Preservation option until 30 days have passed after an initial contribution has been made. Then, after 30 days, all funds...

  • What if my payroll company won't help me administer Colorado SecureSavings?

    You can still offer Colorado SecureSavings to your employees on your own with no complex administration — easily making it a part of your own payroll process. Watch this video to see how facilitating the program involves minimal steps and allows you to focus on your business.

  • What if my payroll provider is stating they will charge a fee for remitting contributions with Colorado SecureSavings?

    Whether you use a payroll provider or not, Colorado SecureSavings does not charge a fee to remit contributions. If your payroll provider will charge you a fee for helping you facilitate the program, you can easily administer it on your own. Watch this video to see how facilitating the program...

  • What if there are only a few employees at my workplace?

    Employers must facilitate a qualified, employer-sponsored retirement plan if they have at least five W-2 employees who have worked for them for at least 180 days.

  • What is a qualified, employer-sponsored retirement plan?

    A qualified, employer-sponsored retirement plan includes a plan qualified under Internal Revenue Code sections 401(a) (including a 401(k) plan), qualified annuity plan under section 403(a), tax-sheltered annuity plan under section 403(b), Simplified Employee Pension plan under section 408(k), a...

  • What is a Roth IRA?

    A Roth IRA is an Individual Retirement Account that helps you reduce your taxes once you retire. While you’re working, you pay your usual income tax on the money you earn and deposit it into your Roth IRA. Your Roth IRA earns money (interest and/or dividends), and that money is constantly added to...

  • What is a Target Retirement Date option?

    Each Target Retirement Date Option has a specific “target date” (e.g., 2035, 2045, 2055) and invests in a mix of stocks and bond funds based on how far away it is from its target date. Certain funds have been created to drive growth for younger investors who can take more risk and become more...