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Setting up Deductions

 

After the 30-day decision period has ended, you will receive an email from CalSavers reminding you to begin submitting participating employee payroll contributions. Before submitting your first contribution, you will need to set up your CalSavers deductions in your payroll system.

Looking for a more hands-off approach?

Payroll integration options can help automate the ongoing tasks of sending contributions and making updates when employees update their contribution rates.
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Instructions to set up employee deductions

In your payroll system, or file, create a deduction labeled "Retirement Savings Deduction."

  • Use the Roth IRA deduction option, if not available, create an "Other" after-tax deduction.

Log in to the Employer Portal and open the Contributions Dashboard to review employee contribution elections.

Log In

Important! Employees are automatically enrolled at 5% contribution rate unless they:

  • Chose a different contribution rate, or
  • Opted out during the decision period.
Contributions Dashboard in the Employer Portal showing employee contribution elections

CalSavers payroll contributions are an after-tax deduction, please confirm that:

  • Contribution amounts are calculated using the employee's gross pay, not net pay.
  • Contributions are not reported on the employee's W-2.

Tip: Before processing payroll double-check that the deduction is set up as an after-tax deduction and is based on gross income.

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