{"id":780,"date":"2025-01-21T22:11:24","date_gmt":"2025-01-21T22:11:24","guid":{"rendered":"https:\/\/secure.eplanservices401k.com\/blog\/?post_type=article&#038;p=441"},"modified":"2025-09-25T14:52:12","modified_gmt":"2025-09-25T14:52:12","slug":"have-you-informed-your-clients-about-delaware-earns","status":"publish","type":"article","link":"https:\/\/secure.eplanservices401k.com\/marketing\/article\/have-you-informed-your-clients-about-delaware-earns\/","title":{"rendered":"Have You Informed Your Clients About Delaware Earns?"},"content":{"rendered":"\n<p><\/p>\n\n\n\n<p>Financial advisors, the Delaware Earns savings program has arrived. If your business owner \nclients aren\u2019t already aware of Delaware Earns, the state\u2019s retirement savings Roth IRA program,\nnow is the time to inform them. Certain employers who do not currently offer a retirement plan \nmust enroll in Delaware Earns or another qualifying plan such as an ePlan Services 401(k). This \nhelpful guide will give you the information you\u2019ll need to ensure your clients are fully aware of \ntheir options to comply with the law.<\/p>\n\n<h2 style=\"text-align:center\">Key Takeaways:<\/h2>\n<ul>\n<li>Employers with five or more employees who do not currently offer a retirement plan \nmust enroll in Delaware Earns.<\/li>\n<li>Penalties for non-compliance are $250 per employee per year, up to a maximum of \n$5,000 per year<\/li>\n<li>While a state-administered plan satisfies the requirement, an ePlan Services 401(k) \nretirement plan may prove more beneficial.<\/li>\n<li>Show your clients their potential tax savings with the <a href=\"https:\/\/secure.eplanservices401k.com\/tax-credit-estimator\/\">ePlan Services Tax Estimator<\/a>. \nThese tax credits are not available with the Delaware Earns option.<\/li>\n<\/ul>\n<h2>What is Delaware Earns?<\/h2>\n<p>In the state of Delaware, <a href=\"https:\/\/earnsdelaware.com\/#:~:text=nearly%20150%2C000%20workers%20have%20no%20way%20to%20save%20for%20retirement%20through%20their%20workplace.\">150,000 workers are without a retirement savings plan<\/a>. As a solution to \nthis crisis, the Office of the State Treasurer sponsored the Delaware Earns Roth IRA savings \nprogram. Employers with five or more employees who don\u2019t currently provide a retirement \nsavings plan must enroll their employees in this savings program. This is an automatic \nenrollment program, so a percentage of the participant\u2019s wages will be automatically deducted \nfrom their paycheck and placed in their Roth IRA. Employees have the option to opt out.<\/p>\n<h2>Is Delaware Earns the only option?<\/h2>\n\n<p>The state\u2019s savings program is not your clients\u2019 only option for a retirement savings plan. \nThough it may seem like a straightforward plan with little maintenance required, Delaware Earns\nhas its limitations. Because it\u2019s a state-administered plan, employers don\u2019t get to choose plan \nfeatures, and they are not permitted to make matching or profit-sharing contributions. For greater\nplan flexibility, higher contribution limits, and potential tax savings, Delaware business owners \nmay want to consider adopting an ePlan Services 401(k) retirement plan.<\/p>\n\n<h2>What are the benefits of an ePlan Services 401(k) plan?<\/h2>\n<p>Unlike many Roth IRA options, an ePlan Services retirement plan offers employers:<\/p>\n\n<ul>\n<li>Easy set up<\/li>\n<li>Plan management<\/li>\n<li>Payroll integration with numerous systems, and<\/li>\n<li>Tax credits of up to $5,000 for 3 years for starting a new plan, an additional $500 for 3 \nyears by adding an auto-enrollment feature, and up to an extra $1,000 per participant for \nmaking employer contributions.<\/li>\n<\/ul>\n\n<p>Plus, as their seasoned financial advisor, you\u2019ll have access to our handy <a href=\"https:\/\/secure.eplanservices401k.com\/tax-credit-estimator\/\">Tax Credit Estimator<\/a> so\nyou can show your many clients their tax savings potential in real time. You can even solidify \nyour place as an expert they can trust by referring your clients to ePlan Services. Only you can \ngive them the opportunity to save $1,000 on their plan setup fees just by referring them!<\/p>\n<h2>Conclusion:<\/h2>\n<p>Delaware business owners with five or more employees are now required to provide them with a \nretirement savings option. Make sure your clients choose the right plan for their business today. \nFor more information on how you can team up with ePlan to help your clients stay in compliance\nwith state mandates while also growing your book of business, <a href=\"https:\/\/secure.eplanservices401k.com\/PROD\/marketing\/contact\">reach out to our experienced sales\nteam<\/a> today!<\/p>\n","protected":false},"featured_media":1400,"template":"","categories":[11,16],"tags":[],"class_list":["post-780","article","type-article","status-publish","has-post-thumbnail","hentry","category-article","category-for-advisors"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Have You Informed Your Clients About Delaware Earns? - ePlan Services<\/title>\n<meta name=\"description\" content=\"Make sure you prepare your Delaware clients for upcoming retirement plan mandates with help of our guide here.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/secure.eplanservices401k.com\/marketing\/article\/have-you-informed-your-clients-about-delaware-earns\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Have You Informed Your Clients About Delaware Earns? 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