Mississippi Secure Choice Savings Program; create.

HB 345 establishes Mississippi's Secure Choice Savings Program, a state-sponsored retirement savings plan for private-sector employees. It requires eligible employers (those with fewer than 25 employees that don’t offer retirement plans) to automatically enroll workers in a payroll-deducted Roth IRA starting in 2027, with full enrollment mandated by 2029. The program creates a dedicated fund for employee contributions, an administrative fund for board costs, and a board to manage investments and employer communications. The state explicitly states it bears no liability for retirement benefits, and employers face penalties for non-compliance, enforced by the Department of Revenue.