A retirement plan is often one of the most meaningful benefits a small business can offer. It can help employees build long-term financial security, improve retention, and demonstrate that the business is investing in its workforce. Many owners also want a more structured way to save for their own futures beyond personal IRAs. Yet despite these motivations, deciding where to begin can feel overwhelming.

Some states are setting up their own marketplaces or state-run retirement saving programs to help make it easier for small businesses and their employees to save for the future. Check out this list to see if your state is offering a program.