The New York State Secure Choice Savings Program is New York’s retirement savings program for private-sector employees in New York who do not have access to a retirement plan at work. Through automatic enrollment and payroll deduction, workers can save in their own Roth IRA. The Program is overseen by the New York Secure Choice Savings Program Board.
New York employers with 10 or more employees in the previous calendar year, have been in business for two or more years, and don’t offer a qualified retirement savings plan are required to register and facilitate New York Secure Choice.

Employers required to facilitate the program must register by the following deadlines:
30 or more employees – March 18, 2026
15 to 29 employees – May 15, 2026
10 to 14 employees – July 15, 2026

Responsibilities as an employer include:

Register your company at https://lnkd.in/e2AxT5FB. Once you receive your unique Access Code, you’re ready to start. You’ll just need to provide basic information about your employees, payroll process, and banking information.

Send your employees’ payroll contributions. Begin payroll deductions and submit contribution information and funding for the employees who choose to stay in the program. You can even invite a payroll representative to help you facilitate this process.

Continue sending payroll contributions and maintain employee records. Submit your payroll every pay period and keep your employees’ payroll contributions and your staff list up to date.

The default savings rate is 3% of gross pay, which employees can adjust at any time. Employee participation is voluntary. Employees can stay automatically enrolled or opt-out and re-enroll later.
You can access program details from the state here – https://lnkd.in/eSvrSqfZ