Your contractors deserve a dignified retirement. Now you can give them one.
No employer plan. No plan administration. StashWorks gives your 1099 workforce access to real retirement savings, built on the same infrastructure over 1 million people already use and trust.
23 million gig workers. No employer to enroll them. Built out of the retirement system.
The traditional retirement system was built for full-time employees. Your contractors don’t qualify. When access exists, workers save—the access itself is the bottleneck.
U.S. private sector workers — nearly half the W-2 workforce — get no retirement benefits through their employer. The system was built around full-time jobs.
Source: Pew Charitable Trusts, 2025
median retirement savings across all U.S. workers age 21–64. For workers with any retirement account, the median is $40,000. The access gap is the gap.
gig economy workers in the U.S. have no employer to offer them a retirement plan. They sit outside the employer-sponsored system entirely.
Source: Georgetown University Center for Retirement Initiatives, March 2025
Workers who can’t afford to stop never stop.
Financial instability creates workforce volatility. Contractors dealing with constant financial stress churn faster, disengage sooner, and leave for marginally better earnings elsewhere. The platforms that retain top contractors are the ones that treat them like people worth investing in.
Higher contractor churn
Workers with no financial cushion leave for any platform offering marginally better rates. Retention is near zero when loyalty has no foundation.
Declining workforce quality
Financially stressed workers underperform. That shows up in your ratings, your support tickets, and your customer retention numbers.
Competitive disadvantage
Gig platforms are competing for the same contractors. Benefits differentiation is the new recruiting lever. Most platforms are ignoring it.
Growing regulatory scrutiny
States and municipalities are increasingly examining how platforms treat 1099 workers. Demonstrating care is now a strategic asset, not just ethics.
Real retirement savings. No employer plan. No complexity.
StashWorks gives your contractors access to individual IRAs and Stash investment accounts. They own the accounts. You don’t sponsor a plan. There’s no plan to administer, no ongoing compliance burden, and no organizational overhead.
Your contractors are on their own.
- No retirement savings option. Most never establish one.
- Workers fend for themselves. Most won't save a dollar.
- No financial coaching or support to build better habits.
- No benefits edge over the platforms competing for your contractors.
- Financially stressed workers deliver worse service. It shows in your data.
Your contractors have a real path forward.
- Individual IRAs and investment accounts. Workers own them.
- Automated savings make the right behavior the default.
- Personalized AI powered financial coaching included.
- Differentiated recruiting and retention advantage.
- No employer plan, no fiduciary burden, no plan administrator.
Why there’s no ERISA exposure
ERISA governs employer-sponsored benefit plans. StashWorks for 1099 workers creates no employer plan. Contractors open and own individual IRAs and investment accounts directly. You facilitate access. They own the account. The regulatory burden stays where it belongs: nowhere near you.
Plug and play. Seriously.
One integration. No ongoing plan administration. Your contractors get real retirement savings. You get a retention lever that most platforms still don’t have.
You enable access. Once.
StashWorks plugs into your platform. We handle the integration build on our side. No plan document. No trust agreement. No annual compliance filing.
You decide whether to offer optional platform contributions (a bonus per trip, a weekly match, whatever fits your model) or simply offer access at no cost. Either way, the setup is the same.
Contractors sign up. They own everything.
Your contractors open individual Stash IRAs or investment accounts directly. The accounts are theirs: portable, permanent, and fully in their control. They work for you, but the retirement account follows them regardless.
The 4.7-star Stash app handles the experience. Automated savings, investment options, and personalized AI powered financial coaching are built in. You don’t manage any of it.
They save. You measure. Everyone wins.
StashWorks tracks enrollment rates, savings activity, and engagement across your contractor base and translates it into the workforce metrics you actually care about: contractor tenure, churn rate, platform satisfaction scores.
You get a dashboard built around your data, not generic wellness benchmarks. If the numbers aren’t moving, we say so. We adjust.
Everything your contractors need. Nothing you have to manage.
StashWorks handles the product experience. You take credit for the benefit.
Individual IRA enrollment
Contractors open Roth or traditional IRAs directly. Accounts are individually owned and held through our SEC-registered brokerage partner. Not employer assets.
Automated savings
Recurring contributions set once and run automatically. The right behavior becomes the default. No weekly decisions required from your workers.
Personalized AI powered financial coaching
Every contractor gets access to personal financial coaching: retirement planning, debt reduction, goal setting. Built into the app, available on demand.
Platform ROI dashboard
Track enrollment rate, savings activity, contractor tenure, and churn impact. KPIs your ops and finance teams can present to a board.
Optional contribution layer
Add per-trip bonuses, weekly matches, or milestone contributions if you choose, without creating an employer plan or any compliance overhead. Entirely optional.
Behavioral rewards
Savings milestones, streaks, and achievement recognition drive engagement over time, not just at enrollment. Designed around what actually changes behavior.
Give contractors a reason to stay.
No employer plan. No ongoing administration. Just access to real retirement savings, built on proven infrastructure that 1M+ already use.