Colleen C. Davis
State Treasurer

Helping Delawareans Save for the Future

Delaware Expanding Access for Retirement and Necessary Savings (EARNS) Program



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DE EARNS, as proposed in House Bill 205, is a program designed to provide workers and employers access to low-cost retirement savings plans. It is a “secure choice” program that amounts to State-facilitated, universally available retirement savings plans, providing a convenient way for all workers to save for retirement, particularly middle and low-income workers who lack access to employer-sponsored plans and small businesses that are unable to provide such a benefit.

Questions or comments?

Executive Summary

Fact Sheet

How EARNS Will Help Delawareans

Oversight and Governance

EARNS Governance Structure


Click here for the DE EARNS Program Board Site


House Bill 205

Additional Resources

Small Business Views on Retirement Savings Plans

Financial Security for Future Retirees – Delaware

Saving for Retirement at Work Survey

What They’re Saying About EARNS

Auto-IRA Momentum Grows as States OK Bipartisan Retirement Laws

Delaware Enacts Private-Sector Retirement Mandate

Delaware Implements Auto-IRA Program

Delaware becomes 16th state to join auto-IRA ranks

Delaware now the latest state to provide a state-run retirement program

Implementation of Delaware EARNS set to begin

Delaware EARNS savings plan on its way to becoming a retirement savings option

Another State Signs Government-Sponsored Retirement Plan into Law

Delaware passes law to create state-sponsored retirement program

Del. EARNS Retirement Program Now Law – What’s Next?

Delaware Joins States that Cover Employees Whose Employers Don’t

Governor signs law creating new retirement program for small business employees

Workers have more than $500 million socked away in state-run retirement plans — and Delaware is the latest to add one

Delaware EARNS Act Awaits Governor’s Nod

Legislature passes state-sponsored retirement plan

Delaware EARNS savings plan on way to governor

Legislation creating retirement savings plan for DE residents gets AARP backing

Del. EARNS Act could level the playing field for First State retirees

Lawmakers need to pass DE Earns bill

Commentary: Delaware EARNS would put secure futures within reach

New bill would create state-managed retirement plan for workers without one

DE Earns is a win-win

State treasurer brings forth landmark retirement program for Delaware

First State seeks to start program to address retirement savings

Commentary: Delaware EARNS is something we can all support

Voters Overwhelmingly Support Workplace Retirement Savings Plans

Availability of State Auto-IRAs Appears to Complement Private Market for Retirement Plans

Voters Say Workers Should be Able to Save for Retirement from Their Paychecks

Facts and Fallacy about State-Facilitated Retirement Savings Plans

In this edition of Treasury Talks, Delaware State Treasurer Colleen Davis speaks with State Representative Larry Lambert, the prime sponsor of H.B. 205, the Delaware Expanding Access for Retirement and Necessary Savings (“EARNS”) program. Rep. Lambert talks about how his background showed him the importance of a program like DE EARNS and how it will help thousands of Delawareans.


Whip Count LogoDelaware EARNS: Closing the Retirement Savings Gap
Saving for retirement is becoming an increasingly difficult dilemma for workers. In Delaware, as many as 200,000 employees lack access to an employer-sponsored retirement plan. To address this growing issue, Rep. Larry Lambert has worked with our State Treasurer to introduce the Delaware EARNS program. This act would create a state-sponsored savings plan, funded by employees, empowered by employers, and overseen by the State. On this episode, Rep. Lambert and State Treasurer Colleen Davis describe the Delaware EARNS Act and its benefits for employees and businesses alike.

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