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Employer Eligibility

California employers are required by state law to facilitate CalSavers if they don’t offer an employer-sponsored retirement plan and have five or more employees. All eligible employers can register at any time prior to their registration deadline.

More than 100 employees

June 30, 2020

More than 50 employees

June 30, 2021

5 or more employees

June 30, 2022

Facilitate CalSavers

We understand that running a business is hard work. So, we’ve made facilitating CalSavers as easy as possible.

Before you begin your registration and initial account setup, review the Employer Account Setup Information guide and resources we have available to assist your activities.

Registration information

You can register your business today. You’ll need three pieces of information before you begin:

  • Federal Employer Identification or Tax Identification Number (EIN/TIN)
  • CA Employer Payroll Tax Account Number (from EDD)
  • CalSavers access code from your notification

Don’t have an access code to register?
Request Access Code

Do you already offer a plan?

We’re glad you’re already taking steps to help your employees save for retirement. CalSavers does not apply to employers who already offer an employer-sponsored retirement plan. If you believe that your company is exempt from this requirement, please let us know.

If you're not sure, visit Frequently Asked Questions for more details or contact Client Services. 

Account set-up in four easy steps

Setting up your account is a simple four-step process, followed by some light account maintenance. Whether you register now or closer to your deadline, you are required to add employees within 30 days of completing your registration.

Add delegates or payroll representatives

Add employees

Add bank information

Send contributions

Add delegates or payroll representatives

If you have someone at your business, such as an HR manager or an external payroll vendor to help you facilitate CalSavers, they can be added as a delegate or payroll representative. You can assign your associates to various roles that give them different levels of responsibility and authorization within the program.

Add employees

Within 30 days of registration, you’ll upload your roster of eligible employees so that we can contact them to either customize their account and make saving elections, or notify them of what actions to take if they choose to opt out of the program. You can either add employees manually (if you only have a few employees) or you can use our Employee Information Template to upload the information (if you have many employees). Once you upload your employee roster, each employee will have 30 days to customize their account or opt out of the program before payroll contributions begin.

Add bank information

Add your bank information if you plan to fund contributions through ACH debit or have a specific account debited.

Send contributions

During your usual payroll process, you will deduct a percentage of each participating employee’s pay and send it to CalSavers. The percentage for each employee will be shown on your employer account page. Information can be entered either manually by using an online form or in bulk using the Employee Contribution Information Template.

Ongoing responsibilities

Once your CalSavers employer account is set up and ready to go, you’ll be responsible for ongoing responsibilities: submitting employees’ contributions and adding new employees or removing employees who have left your company.

Activities that you are NOT responsible for:

CalSavers does not include any employer fees or employer match contributions. You are also NOT responsible for:

  • Enrolling employees, disseminating information, or answering questions about the program.
  • Managing investment options, including choice of investment funds and processing employee investment change requests.
  • Processing distributions.
  • Answering questions about investment options. Employers should not give investment or tax advice.
  • Managing employee changes or account maintenance, which include but are not limited to Contact information and Beneficiary information.

Your employees will be responsible for maintaining their account information once it is established.