Mississippi Work and Save Program; create.

HB 915 would create the Mississippi Work and Save Program, a state-administered retirement savings initiative for employers without existing retirement plans. It allows eligible employees at these employers to voluntarily contribute to Roth IRAs via payroll deductions, managed by a board under the State Treasurer. The program mandates Roth IRA accounts with target-date investments, requires employers to offer payroll deduction options, and provides liability protection for participating employers and the state. This directly affects Mississippi employers (excluding government entities and those with existing retirement plans) and their employees, particularly those without access to employer-sponsored retirement savings.