Obligare / States / New York / New York retirement savings mandate (New York Secure Choice, 10 or more employees)
New York · Registration with the state program, then payroll deductions

New York retirement savings mandate (New York Secure Choice, 10 or more employees)

Register with New York Secure Choice if the company has 10 or more employees in New York and no retirement plan of its own, then run the employee deductions through payroll; or certify that the company has its own plan.

When
With no fixed date.
Agency
New York Secure Choice
Form
Registration with the state program, then payroll deductions
Applies to
Every company with employees in New York, with 10 or more employees, with no retirement plan of their own.
If missed
Per employee penalties after notice, set by the state
Source
www.newyorksecurechoice.com, read October 22, 2026
J
Jay explains

New York requires an employer with no retirement plan of its own to enroll its employees in the state program, New York Secure Choice, which runs Roth IRAs funded by payroll deductions. The employer registers, uploads its employees and passes the deductions through; it contributes nothing and the employees can opt out. An employer that sponsors a 401(k), SIMPLE IRA or other plan certifies its exemption instead. Employers with ten or more New York employees in business for two years or more; registration windows ran from March to July 2026 by employer size, and a company past its window registers now. Registration deadlines have passed for existing employers, so a company not yet registered should register now; a new employer registers within the program's window after its first hire.

Next dates

No fixed date. It appears on a calendar under "No fixed date" so it is not forgotten.

Also in New York

New York biennial statementNew York biennial statementNew York biennial statementNew York charities annual filingNew York LLC annual filing feeNew York LLC beneficial ownership disclosure (status unsettled)New York corporate income tax returnNew York corporate estimated tax paymentNew York pass through entity returnNew York personal income tax return with business incomeNew York unemployment insurance wage reportNew York fourth quarter withholding return with the annual wage totals

See it on your company's calendar

Your company's compliance calendar

Three answers to start. Refine it after.

An LLC's tax treatment decides which federal return it files. Choose the line that matches yours. Nonprofits are covered too.
Count everyone on payroll. An S corporation's working owners are employees: they are paid a salary.
A company based outside its state of formation is registered in both and files in both.
More about the company: other states, payroll, dates, abroad
Other states where you have employees or an office
Other states where you have employees or an office
Each one adds that state's registration, employer and tax filings. A state where you only keep inventory or make sales belongs under sales tax states below, not here.
Date registered in each other state
Optional. Some states key their report to the day you registered there rather than your date of formation; without it, the formation date stands in and the calendar says so.
States where you collect sales tax
States where you collect sales tax
New York keys its report to this date. Add it and the calendar places it.
Some taxes start at a revenue threshold.
Outside the United States
Each adds the FinCEN or IRS form that comes with it: the FBAR, Form 5472, Form 5471, Forms 1042 and 1042-S.

No account needed. Nothing is stored until you save it.

Put it in your calendar

The calendar is free to read and to print. A subscription keeps it alive.

$190 a year ($15.83 a month), or $19 month to month
Put it in my calendar

Advisors: $49 a month for up to ten companies, $4 each after. Details