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The legislature should create Colorado Voluntary Pension Accounts to provide access to retirement plans for all Coloradans. These plans would reduce the cost and complexity of offering pension plans for small employers and would be portable, allowing workers to contribute to same account for each job they hold in Colorado.

We should establish a system for small employer risk pool purchasing. The idea is to allow small businesses to join together, pool risk and leverage purchasing power like larger businesses are able to do. This is a form of community rating that will spread costs, moderate premiums and expand coverage to more Colorado families.