Mississippi Work and Save Program; create.

HB 631 creates the Mississippi Work and Save Program, a state-run retirement savings initiative targeting employers in Mississippi that don’t currently offer retirement plans. It allows eligible employees (ages 18+ at participating employers) to contribute to Roth IRAs via payroll deduction, with the State Treasurer managing the program and ensuring confidentiality of participant data. Key provisions include requiring all contributions to use Roth IRAs with target-date funds, protecting employers from liability, and establishing a dedicated administrative fund. The program aims to help moderate- and lower-income workers build retirement savings, reducing future reliance on public assistance programs.