State retirement mandates are a prospecting calendar

State-facilitated retirement programs generally require covered employers to register, or to certify that they already offer a qualified plan. Details and deadlines differ by state.

Why that matters to a plan practice

An employer facing a deadline is deciding between the state program and a plan of its own. That is a rare moment when a small business owner wants to talk about retirement plans.

How to use it

• List the states you serve and their current employer thresholds and dates.
• Build a list of employers near each threshold that have no filed plan.
• Reach them ahead of the deadline with a short comparison of their options.

Check each state's official program site for current rules before you publish anything.