Retirement resources for every Mississippian.
Pick the path that matches your life. Each page is a free, plain-English guide.
Individuals
IRAs, Roth IRAs, and personal savings strategies.
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State Employees
PERS and 457(b) supplemental plans.
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Small Business
401(k) plans, SECURE 2.0 tax credits, providers.
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Non-Profits
403(b), 457(b), and SEP options for tax-exempt orgs.
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For Kids
Trump Accounts and 529 college savings plans.
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The retirement gap
Half of Mississippi's private-sector workers have no employer plan.
Roughly 492,000–494,000 private-sector workers in Mississippi do not have access to an employer-sponsored retirement plan. That is about 54% of the state's private-sector workforce ages 18–64. Employer plans are the primary way Americans save for retirement, so missing one at work makes saving much harder.
54%
of Mississippi private-sector workers ages 18–64 lack a workplace plan.
261k+
of those workers are at small businesses with fewer than 100 employees.
420k
affected workers earn about $53,000 or less per year.
Public-sector coverage is stronger
About 145,000 active members are covered by Mississippi's Public Employees' Retirement System (PERS), giving many public workers a more secure foundation than their private-sector neighbors.
Mississippi is responding
The new Mississippi Work and Save program (state-facilitated payroll-deduction IRAs) began rolling out in 2026 to help workers whose employers do not offer a plan start saving automatically.
Sources: AARP Public Policy Institute (2022 Census/CPS data), Pew Charitable Trusts (2024), Mississippi Public Employees' Retirement System. Figures reflect lack of access to an employer-sponsored plan, not total retirement savings.
Choose your landing page
Five paths, one Mississippi resource.
Individuals
IRAs, Roth IRAs, and personal savings strategies.
Visit page →
State Employees
PERS and 457(b) supplemental plans.
Visit page →
Small Business
401(k) plans, SECURE 2.0 tax credits, providers.
Visit page →
Non-Profits
403(b), 457(b), and SEP options for tax-exempt orgs.
Visit page →
For Kids
Trump Accounts and 529 college savings plans.
Visit page →
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