Welcome to Delaware EARNS. The easy way to save for retirement.
Our Pilot Program has launched!
Delaware EARNS, is a new retirement savings program, sponsored by the Office of the State Treasurer. Here in Delaware, nearly 150,000 workers have no way to save for retirement through their workplace. This program was created to help bridge our state’s retirement savings gap.
With EARNS, businesses can help their employees save for retirement in a Roth Individual Retirement Account (IRA) through convenient payroll deductions. This new program is an easy way for Delawareans to save for the future.
Employers
Registration for the EARNS program is now open for employers participating in our pilot program.
Savers
Plan for what’s ahead. EARNS is a flexible and secure way to save, even if you’re self-employed.
Great benefits to help you succeed
Employer benefits
No cost for employers
Getting started is fast and easy
Works seamlessly with your payroll process
Stay competitive by offering access to a great benefit to your employees
Requires very little time and administration
No fiduciary responsibility for employers
Saver benefits
Secure, simple way to save for retirement
Your account stays with you through career changes without complicated rollovers
Customizable contribution amounts to meet your needs
It’s voluntary — stay enrolled automatically or opt out and re-enroll later
Access to online tools and real people trained to answer your questions
Want even more info?
Download additional information about EARNS.
Expanding access to retirement savings in Delaware
More than one quarter of Americans have no money saved for retirement.1 EARNS can help you bridge the retirement savings gap.
Reference
1. “Your Evening Briefing: One in Four Americans Have No Retirement Savings,” Bloomberg, 17 April 2023. https://www.bloomberg.com/news/newsletters/2023-04-17/bloomberg-evening-briefing-one-in-four-americans-have-no-retirement-savings