Expanding access to retirement savings has been a longstanding goal of the Obama administration, which estimates that approximately 68 million Americans lack access to an employer-based retirement savings program. Meanwhile, this access concern has led some states to enact or consider enacting savings programs. Under the “auto-IRA” approach, now law in California, Illinois and Oregon, the state establishes a payroll savings program and employers deduct amounts selected by employees from their paychecks to remit to state-administered individual retirement accounts (IRAs). Washington State, for its part, has adopted a marketplace approach where a state program connects small employers of fewer than 100 employees with private sector savings plan providers. And a Massachusetts law enables certain nonprofit organizations with fewer than 20 employees to adopt a prototype plan developed and administered by the state.