Minnesota Secure Choice Retirement Program

Minnesota Secure Choice is a state-facilitated, employer-supported retirement program that bridges the retirement savings gap for hundreds of thousands of Minnesotans.

Passed into law in 2023, the Minnesota Secure Choice Retirement Program offers automatic enrollment into portable individual retirement accounts (IRAs) that help workers build retirement savings through automatic payroll deductions, while allowing employers to provide a valuable benefit with minimal administrative burden and no fees assessed by the Program. 

Minnesota Secure Choice is building a stronger future for Minnesota’s workforce by offering a bridge to financial stability that meaningfully supports employees, lightens the load for employers, and strengthens our state’s economic future. 

Small steps today. Stronger retirement tomorrow. 

For Employer Assistance

1-855-938-1474

For answers to commonly asked questions, Program enrollment, managing your Employer or Saver Account, or to File an Exemption visit the

Secure Choice Program Portal

Timeline of Employer Required Enrollment Phases

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At the Program's launch of January 19, 2026 employers doing business in Minnesota with 5 or more employees  and employing workers receiving Minnesota taxable income received either an email or postal letter from the record keeper, Vestwell, and were provided login information and a unique access code to the program portal at securechoice.mn.gov. If an employer did not receive or lost their unique access code, they can request for it to be resent using their FEIN and validations.

Employers are required under Minnesota state law to enroll in the Minnesota Secure Choice Retirement Program and offer the program to all of their part-time and full-time employees receiving Minnesota taxable wages OR file for an exemption if the organization already offers a qualified retirement program to employees. Employers are allowed to enroll or file an exemption at any time preceding their enrollment deadline but must enroll or file an exemption no later than the compliance deadline outlined above based on total employee count as determined by data available to the Program as of January 2026.

Employer Responsibilities

Employers have 3 main responsibilities to maintain compliance with the Secure Choice Retirement Program and Minnesota State law: 

  1. Enroll or exempt your organization before your required enrollment deadline
  2. Consistently and regularly remit payroll contributions to the Program for all of your participating employees
  3. Keep your employee rolls current and up-to-date by onboarding and offboarding any new hires or departures