A program that promoters say will help more than two million Pennsylvanians get a retirement savings plan is being considered in the state house. The new piece of legislation called Keystone Saves would be a state-sponsored retirement plan. Employers would make a payroll deduction into the IRA and keep track of those participating. The treasury and a third party would handle the rest. Businesses that already have retirement plans, those with fewer than five employees, and those open for fewer than 15 months would be exempt. It’s believed it would take about four years to phase in if the idea gains approval in the legislature.