Infrastructure for State Retirement Programs
Closing the Retirement Gap in Your State.
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Purpose-built technology partnering with states to design, operate, and scale employer retirement programs.
ADMINISTERED BY DIRECT 401K
State Retirement Exchange
THE PATHWAY
Two Pathways. One Guided Path.
Direct 401K offers two clear pathways: Auto IRA or 401(k). With our step-by-step technology, employers are guided through the process to find the right fit for their business, ensuring every plan is aligned with their goals and workforce.
No two employers have the same needs—which means retirement plans shouldn’t be one-size-fits-all.
Built with states. Designed for scale.
Direct 401k partners with states to design and operate employer retirement programs through a scalable, turnkey platform. A single pathway moves employers into the right solution—Auto-IRA or 401(k)—while the platform manages distribution, onboarding, and ongoing program administration at scale.
State-Aligned Design
Built alongside state agencies from day one.
Scalable Infrastructure
Technology that grows with program demand.
Policy-Ready Flexibility
Supports mandated and voluntary participation models.
Employers start with a simple web-based questionnaire that guides them to the appropriate retirement solution.
Auto-IRA
Payroll-deduction retirement programs
