Employers, your deadline has passed! Take action today!
Employers with 40 or more employees
Employers with 25 to 39 employees
You'll be notified by RetireReady NJ when it's time for your business to register. To begin, you'll need:
Your Federal Employer Identification Number (EIN)
The RetireReady NJ Access Code from your notification
If you are unable to find the Access Code for your business, you can look it up online.
A list of and other questions about eligibility can be found in our FAQ section.
Employers who provide a qualified retirement plan to their employees should from the program using their provided Access Code.
Every New Jersey employer with twenty-five or more employees must facilitate the program if they don’t already offer their own qualified retirement savings plan.
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, you will record their choices, 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.
Enrolling employees into their RetireReady NJ Roth IRA.
Answering questions about RetireReady NJ and its investment portfolios, or helping employees choose investments.
Managing RetireReady NJ 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.