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Colorado SecureSavings

The Colorado SecureSavings Program is a retirement savings program created by the Office of the State Treasurer that offers a portable ROTH IRA allowing Coloradans the opportunity to save for the future by having deductions withdrawn from their paychecks.

For Employers

Employers are required by law to register for Colorado SecureSavings if they meet the following criteria:

  • Your business is registered to conduct business in the state of Colorado

  • You have at least five W-2 employees who have worked for you for at least 180 days

  • You have been in business for two or more years; and

  • You don’t currently offer a qualified retirement savings program to your employees

Colorado SecureSavings will notify employers when it’s time for your business to register with your EIN (employer identification number) and an access code in notification.

Employers who offer a qualified retirement plan will be able to certify your exemption.

The SecureSavings program offers a downloadable registration checklist for employers HERE.

Registration for your business can be found HERE

You can also certify your exemption there.


Employer Responsibilities

  • Employers will be asked to provide basic information necessary to set you up as an employer and to set up your employees' accounts. Employees' will then be notified including instructions on how to make account changes or opt-out if they wish.

  • Upload your employees’ payroll information and submit your employees’ savings contributions levels.

  • Submit your payroll details every pay period and keep your employees’ payroll contributions and staff list up to date.


Employers Are Not Responsible For:

  • Setting up your employees’ retirement savings accounts.

  • Answering questions about Colorado SecureSavings and its investment options, or helping employees choose investments.

  • Managing Colorado SecureSavings 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.


Employee Eligibility

  • Must be at least 18 years old

  • Must have earned taxable wages from a Colorado employer for at least 180 days.



If your employer participates in the Colorado SecureSavings program, your employer will upload your basic information for registration. Once registered, employees' may change the contribution rate, modify investment choices, designate beneficiaries,

manage personal information, and make withdrawals. Employee participation in Colorado SecureSavings is completely voluntary.

If you’re self-employed or don’t work for an employer registered with Colorado SecureSavings, you can contribute directly to your own Roth IRA account.

After registration, there is a 30 day opt-out period. If no changes are made, you’ll be automatically enrolled with the 5 % default savings and investment elections. If you opt out after 30 days, your employer will be notified to stop your payroll deductions, and any deductions that may have been made can be withdrawn.

Saving rates will automatically increase by 1% each year until it reaches 8%, unless you choose otherwise.



Approximately $0.32 for every $100 in your account. There is also a $22 annual account fee (that is charged quarterly at $5.50 each quarter). These fees pay for the administration of the program and the operating expenses charged by the underlying investment funds in which the program’s portfolios are invested.


Other Helpful Links

All forms and more detailed information regarding the program may be found on the SecureSavings website.