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Employers

Program details

Employers with 100+ Employees

June 30, 2026

deadline

Upcoming Deadlines

  • 50 to 99 employees: December 31, 2026

  • 25-49 employees: June 30, 2027

  • 10-24 employees: December 31, 2027

  • 5-9 employees: June 30, 2028

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Don’t wait — take action today.

Register your business today

All eligible Minnesota employers are required by law to facilitate Minnesota Secure Choice if they don’t offer a retirement plan for their employees. Registration is now open for all eligible employers.

How do I get started?

You’ll be notified by Minnesota Secure Choice when it’s time for your business to register. To begin, you’ll need:

  • Federal Employer Identification Number (EIN)

  • Minnesota Secure Choice Access Code from your notification

Employer eligibility

You’re required to register if you:

  • Have 5 or more covered employees

  • Do not offer a qualified retirement plan

Don’t have your Access Code?

If you are unable to find the Access Code for your business or nonprofit, we can resend it to your email.

Resend Access Code

Already offer a retirement plan?

Employers who provide a qualified retirement plan to their employees should certify their exemption from the program using their provided Access Code.

Certify your exemption

Onboard your company for Minnesota Secure Choice

There are just a few steps you need to take to get started. Take a look at this video to get you acclimated:

Onboarding Walkthrough
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Your responsibilities as an employer

We know that running your business or nonprofit is your top priority. That’s why getting enrolled in Minnesota Secure Choice is easy and requires only light account maintenance. We’ll take care of the rest, at no cost to you.

Set up your ID and password, answer questions about your company and payroll process, complete payment setup, and then add your employees.

You can even invite a payroll representative to help you facilitate this process. Your payroll representative can be an administrator, a teammate, or even your bookkeeper or payroll administrator.

Once you have added employees, we will communicate directly with them to explain their options during the 30 days they have to opt out or customize their account.

At the end of the 30-day period, we will notify you of their choices and send a reminder to begin payroll deductions, and submit contribution information and funding for the employees who choose to stay in the program.

To stay in compliance, continue to send payroll contributions and maintain employee records, including updating contribution rate changes when needed, adding new employees, and marking former employees as terminated.

Things you won’t be responsible for

  • Establishing employee Minnesota Secure Choice IRAs.

  • Answering questions about Minnesota Secure Choice and its investment portfolios or helping employees choose investments.

  • Managing Minnesota Secure Choice investment options and processing employee investment change requests.

  • Processing distributions from employee investment accounts.

  • Managing employee investment account changes. Your employees will be responsible for maintaining their account information and settings if enrolled.

Have questions?

We have answers.

Find answers to common questions, how-to videos, and other useful guides online.

Go to Help Center