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Program details

New Business REgistration

December 12, 2025

Registration Window Closes

Register your business today

All eligible Rhode Island employers are required by law to facilitate RISavers if they don’t offer a retirement plan for their employees. Registration is now open for all eligible employers.

Don’t wait — take action today.

Employer eligibility

You’re required to register if you:

  • Have 5 or more employees

  • Do not offer qualified retirement plan

How do I get started?

You’ll be notified by RISavers when it’s time for your business to register. To begin, you’ll need:

  • Federal Employer Identification Number (EIN)

  • RISavers Access Code from your notification

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Don’t have your access code?

If you are unable to find the Access Code for your business, we can resend it to your email.

Resend Access Code

Already offer a retirement plan?

Employers who provide a qualified retirement plan to their employees should certify their exemption from the program using their provided Access Code.

Certify your exemption

Onboard your company for RISavers

There are just a few steps you need to take to get started. Take a look at this video to get you acclimated:

RISavers Onboarding
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Your responsibilities as an employer

We know that running your business is your top priority. That’s why RISavers is easy to set up and requires only light account maintenance. We’ll take care of the rest, at no cost to you.

Register

Set up your ID and password, answer questions about your company and payroll process, complete payment setup, and then add your employees.

You can even invite a payroll representative to help you facilitate this process. Your payroll representative can be an admin, a teammate, or even your bookkeeper or payroll administrator.

Send Contributions

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.

Maintenance

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.

Things you won’t be responsible for:

  • Enrolling employees into their RISavers Roth IRA.

  • Answering questions about RISavers and its investment portfolios, or helping employees choose investments.

  • Managing RISavers 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.

Have questions?

We have answers.

Find answers to common questions, how-to videos, and other useful guides in our online Help Center.

Go to Help Center