About us

Our mission is to empower workers to establish and increase retirement savings through an automatic, low-cost, trusted retirement plan benefitting Delaware workers, employers and taxpayers.

More than 150,000 Delawareans do not have access to retirement savings through work. EARNS helps bridge Delaware’s retirement savings gap.

EARNS was passed by the Delaware General Assembly and signed into law by the Governor in 2022 to promote individual retirement savings. The Office of the State Treasurer is sponsoring the workplace retirement savings program for employees who do not otherwise have access to a retirement savings plan through their employer. Employees will be automatically enrolled in a Roth IRA Account. Once enrolled, the account will be funded from an employee’s wages unless the employee opts out.