PA Employers: A New Retirement Law Could Cost You Thousands (If You Wait)

Keystone Saves is not optional for businesses with 5+ employees. Download this free 4-page explainer to understand what it means for your payroll, compliance, and options.

  • HB 1263 passed the PA House (102-101)

  • 5+ employee businesses must offer retirement plans

  • Default = state Roth IRA with $7,000 cap

  • No employer match required — but admin headaches guaranteed

Why You Should Be Paying Attention if You're a PA Business Owner

Pennsylvania employers will soon be required to auto-enroll workers into a state-run Roth IRA — unless you already have a plan in place.

Extra payroll processing duties

Limited investment control

Missed opportunities to use smarter alternatives

Why the State’s Default Isn’t Enough
The truth is, Keystone Saves is designed to check the compliance box — not to help your business grow. Contributions are capped, investment choices are limited, and the program does nothing to strengthen your relationship with employees. You’ll carry the extra payroll burden without gaining any strategic benefit in return.

How Smart Employers Gain an Edge
Forward-thinking business owners are turning compliance into an advantage by building retirement benefits that actually attract and retain talent. At Banker’s Blueprint™, we don’t just plug you into a state Roth IRA. We design strategies that maximize tax efficiency, reduce admin headaches, and position you as the employer of choice in your industry.

If you delay, you’ll be stuck with the default. If you prepare now, you can turn compliance into a competitive advantage.

See the Mandate in Plain English + Your Better Options

Our 4-page Keystone Saves Explainer lays out the mandate in plain English, shows you where the hidden costs lie, and highlights smarter paths that keep you compliant while protecting your bottom line. Download your free copy today — and discover how to turn a looming regulation into a long-term growth strategy.