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A ship seeks safe harbor of the non-Labor Department kind, as it passes New Jersey, where a state-run plan was vetoed and replaced with a 'retirement plan marketplace.' (AP Photo)

When the U.S. Department of Labor released its finalized safe harbor for state-administered retirement plans this past August, the agency laid out specific conditions by which states could mandate participation in retirement plans without exposing employers to the Employee Retirement Income Security Act’s fiduciary requirements.

Nick Thornton


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