Helping Delaware Workers Save for the Future

Visit EARNSDelaware.com to Register

What is EARNS?

Delaware EARNS is a state-sponsored retirement savings program for workers whose employers don’t offer a retirement plan. It provides a convenient way for small-business employees and owners to save money for retirement in a tax-advantaged Roth IRA. At no cost to employers, EARNS provides a key benefit that improves employees’ financial security and makes Delaware businesses more competitive in recruiting and retaining talent.

Who is EARNS for?

Private-sector employers – including nonprofits – are legally required to facilitate EARNS if all of the following are true about your business:

Has been operational for at least six (6) months
Has five (5) or more W-2 employees in Delaware – whether full-time or part-time
Does not offer a qualified retirement plan

If your business does not meet these requirements, visit EARNSDelaware.com to certify your exemption from participating in EARNS.

How do I sign up?

Employers: Visit EARNSDelaware.com and use your unique access code to register.

Savers: Once your employer registers, you’ll be opted in automatically. Haven’t heard anything about it? Ask your employer if they’ve signed up for Delaware EARNS!

What if my employer hasn’t signed up?

If you’d like to request information to assist your employer in signing up for Delaware EARNS or you have concerns about your employer facilitating the program, please contact us by using the form below or emailing EARNS@delaware.gov.