Delaware EARNS Launches Pilot Program Ahead of Official Launch

Delaware EARNS is a retirement savings program for private-sector workers who don’t have access to a workplace plan through their jobs. Beginning on July 1, 2024, employers with 5 or more Delaware employees (full or part-time) are required to facilitate EARNS if they do not offer a qualified retirement plan, such as a 401(k).


In preparation of the official program launch, nearly a dozen private-sector employers will participate in a pilot of EARNS during the month of May to help ensure systems are fully ready.


“The start of the employer pilot is a true milestone,” Treasurer Colleen C. Davis said. “It’s thrilling to see a goal we have been working toward for years become a reality. We have nearly 150,000 private-sector workers in our state with no access to retirement savings through their employers. We now have a real opportunity to change that with the EARNS program.”


Delaware employers that want to get a head start on offering access to a competitive retirement benefit can register starting as early as July 1 at For employers, there is no cost for facilitating the EARNS program and no plan-sponsor liability.


For more information about Delaware EARNS, visit


Employers participating in the pilot:


  • Down Syndrome Association of Delaware
  • Great New Beginnings
  • Junebug’s Little Rubies
  • Just In Time Learning Academy
  • LaVante’ N. Dorsey & Associates
  • Leading Youth Through Empowerment (LYTE)
  • Limestone Therapeutic Massage Associates
  • My Sister’s Fault
  • Mike & Mel’s Family Restaurant
  • Pathways to Success
  • Sweet Lucy’s Ice Cream & Treats