2026 New York State Mandatory IRA Rules: What Employers Must Do to Stay Compliant

New York State’s Secure Choice IRA program is creating new compliance requirements for many employers beginning in 2026. Businesses with 10 or more employees that do not already offer a qualified retirement plan may be required to enroll workers in this state-facilitated Roth IRA program. Our analysis at Greenbush Financial Group explains who must comply, employer responsibilities, potential penalties, and why alternative retirement plans like SIMPLE IRAs or 401(k)s may offer greater long-term value.