The Minnesota Secure Choice Retirement Program launches January 2026.
Employer Registration Phases
| Number of employees at covered employer | Phase duration |
|---|---|
| Soft launch and voluntary enrollment for any size covered employer | Jan. 19, 2026 to March 30, 2026 |
| 100 or more | April 1, 2026 to June 30, 2026 |
| 50 to 99 | July 1, 2026 to Dec. 31, 2026 |
| 25 to 49 | Jan. 1, 2027 to June 30, 2027 |
| 10 to 24 | July 1, 2027 to Dec. 31, 2027 |
| 5 to 9 | Jan. 1, 2028 to June 30, 2028 |
Employers doing business in Minnesota with 5 or more employees receiving Minnesota taxable wages will receive either an email or postal letter from the record keeper, Vestwell, beginning the week of January 19th, 2026, and be provided log-in information and a unique access code to the Vestwell portal. Employers will be then required to either register for the Minnesota Secure Choice Retirement Program and set up Roth IRA accounts for all of their part-time and full-time Minnesota employees or file for an exemption if the organization already offers a suitable retirement program to employees. Employers can choose to enroll or file an exemption as early as January 2026, or must enroll by the compliance deadline outlined above based on employee count.