弗吉尼亚州RetirePath退休计划扩围，新增覆盖35万打工者
据GlobeNewswire 10月8日自里士满发布的消息，弗吉尼亚州政府运营的退休储蓄计划在“全国退休保障月”之际公布了覆盖范围扩大的进展。
RetirePath Virginia 是该州推动的自动加入IRA计划。经州长阿比盖尔·斯潘伯格签署、于7月1日生效的众议院176号和参议院149号法案，将雇主门槛从25名全职雇员降至5名以上雇员（含兼职），新增覆盖超过35万名打工者。
该计划下，雇员自动通过工资扣款加入罗斯IRA，可选择退出。拥有10至24名雇员的企业注册截止日为9月30日，5至9名雇员的企业须在2026年10月30日前注册。
州官员表示，扩围旨在填补覆盖缺口：雇主不提供退休计划的员工，自行储蓄养老的可能性要低得多。
Virginia's RetirePath Expands to Cover 350,000 More Workers After Threshold Lowered
Virginia's state-run retirement savings program marked National Retirement Security Month on October 8 with an update on its expanded reach, according to a GlobeNewswire release from Richmond.
RetirePath Virginia, the state-facilitated auto-IRA program, was expanded under House Bill 176 and Senate Bill 149, signed by Gov. Abigail Spanberger and effective July 1. The law lowered the employer threshold from 25 full-time employees to businesses with five or more employees, including part-time workers — newly covering more than 350,000 workers.
Under the program, employees are automatically enrolled in a Roth IRA funded through payroll deductions, with the ability to opt out. Employers with 10 to 24 employees faced a registration deadline of September 30, while businesses with 5 to 9 employees must register by October 30, 2026.
State officials say the expansion targets the coverage gap: workers whose employers offer no retirement plan are far less likely to save for retirement on their own.
图片来源：弗吉尼亚州议会大厦（里士满），图片来源：Wikimedia Commons（CC BY-SA 4.0）
