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<h4>Employers</h4>
<p>Registration is open for all employers. Use your access code to start facilitating CalSavers or exempt your business if you already offer a retirement plan.</p>
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<p>Make retirement a reality with CalSavers. Start saving for your future today.</p>
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<h4>A simple, trusted way to save for retirement</h4>
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<p style="text-align:center">CalSavers is California’s retirement savings program for workers who do not have a way to save for retirement at work. With CalSavers, millions of California workers have the opportunity to get on track for their future.</p>
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<h5 style="margin-bottom:20px">Personal</h5>
<p>Savers contribute a portion of each paycheck to an Individual Retirement Account (IRA) that belongs to them. Each saver decides how much to contribute and where this money is invested.</p>
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<h5 style="margin-bottom:20px;">Accessible</h5>
<p>CalSavers is available to California workers whose employers don’t offer a retirement plan, self-employed individuals, and others who want to save extra.</p>
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<div role="" class="col-md-4" id=""><div style="text-align: center;"><img alt="Accessible icon_CAL.png" aria-hidden="true" src="https://cdn.unite529.com/jcdn/files/CAU/images/Simple%20icon_CALv2.png" style="max-width:70px;" />
<h5 style="margin-bottom:20px">Simple</h5>
<p>Participating employers only need to complete a few actions: Register their company by specific deadlines, facilitate payroll deductions each pay period, and keep their employee roster current.</p>
</div>
</div>
</div><div class="row" >
<div class="col"><h5 style="color:#347B73; text-align:center; margin:40px 0 -40px 0">CalSavers works because it’s designed with you in mind.</h5></div>
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</div><div class="row content__secondary">
<div class="col-12 col-md-6 d-flex mb-4 mb-md-0">
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<div>
<h4>Employers</h4>
<ul>
<li>Mandated for employers with 1 or more employees.</li>
<li>Registration is quick and easy.</li>
<li>Employers have limited responsibilities.</li>
<li>There are no employer fees, no employer contributions and no fiduciary responsibility.</li>
<li>Employers must register their company by <a href="https://employer.calsavers.com/" target="_blank" style="color:#00594f">mandated deadlines</a>.</li>
</ul>
<p>Get more details about the <a href="https://leginfo.legislature.ca.gov/faces/codes_displayText.xhtml?lawCode=GOV&division=&title=21.&part=&chapter=&article=" target="_blank" style="color:#00594f">state law</a>, your mandate status, and deadlines.</p>
</div>
<div class="d-flex flex-column flex-grow-0"><a class="btn btn-primary card-button secondary-cards__btn" href="https://employer.calsavers.com/">Read more</a></div>
</div>
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<div class="content__secondary--container container-saver">
<div>
<h4>Savers</h4>
<ul>
<li>Automatic features or pick your own.</li>
<li>Opt out or back in at any time.</li>
<li>Simplified investing with low fees.</li>
<li>Portable IRA that belongs to you.</li>
</ul>
</div>
<div class="d-flex flex-column flex-grow-0">
<p class="secondary-card__text">CalSavers can help you on the path to retirement savings. Learn more about your options.</p>
<a class="btn btn-primary card-button secondary-cards__btn" href="https://saver.calsavers.com/">Read more</a></div>
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<div class="col-md-4"><p class="nxt-p">Interested in learning<br />
more about CalSavers?</p>
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<h5>MEET WITH US</h5>
<p style="color:#000;padding:5px 0px;min-height:100px">We offer many opportunities to meet with our dedicated and experienced Client Services team to learn about the progam.</p>
<a class="btn btn-primary" href="https://employer.calsavers.com/home/employers/support.html?language=en" style="min-width:60%;margin:auto;display:table;margin-bottom: 20px;" target="_blank">Employers ></a> <a class="btn btn-primary" href="https://saver.calsavers.com/home/savers/webinar.html" style="min-width:60%;margin:auto;display:table;" target="_blank">Savers ></a></div>
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<h5>WATCH</h5>
<p style="color:#000;padding:5px 0px;min-height:130px">View an overview from the CalSavers team.</p>
<a class="btn btn-primary" href="https://www.youtube.com/embed/TEf3XlK-YI4?rel=0" style="width:60%;margin:auto;display:table;" target="_blank">WATCH</a></div></div>
</div>
</div>
</div><section class="bottom-content pt-0">
<div class="container">
<div>
<h4 class="bottom-content__heading">CalSavers Works!</h4>
<p class="bottom-content__text">California’s business owners and industry groups are excited about CalSavers. </p>
</div><div class="row">
<div class="col col-12 col-md-4 d-flex">
<div class="bottom-content__cards yellow">
<div class="card__content"><img alt="Zach Davis standing in Penny Ice Creamery with his arms crossed" src="https://cdn.unite529.com/jcdn/files/CAU/images/ZachDavis.png" />
<p class="blockquote">It’s just the right thing to do.</p>
</div>
<div class="card__content-person">
<h4>- Zach Davis</h4>
<p>Owner, Penny Ice Creamery</p>
</div>
</div>
</div>
<div class="col col-12 col-md-4 d-flex">
<div class="bottom-content__cards green">
<div class="card__content "><img alt="Kenitra Dominguez standing in a warehouse with her co-workers" src="https://cdn.unite529.com/jcdn/files/CAU/images/KenitraDominguez.png" />
<p class="blockquote">CalSavers puts my mind at ease because I know my team is in good hands.</p>
</div>
<div class="card__content-person green">
<h4 class="green">- Kenitra Dominguez</h4>
<p>Director of People & Culture, Red Bay Coffee</p>
</div>
</div>
</div>
<div class="col col-12 col-md-4 d-flex">
<div class="bottom-content__cards brown">
<div class="card__content"><img alt="Christin Evens sitting next to a computer" src="https://cdn.unite529.com/jcdn/files/CAU/images/ChristinEvens.png" />
<p class="blockquote ">It will help small businesses save time and money, and is truly a win-win for small businesses.</p>
</div>
<div class="card__content-person ">
<h4 class="brown">- Christin Evans</h4>
<p>Co-owner, The Booksmith</p>
</div>
</div>
</div>
</div>
</div>
</section><section class="last-content">
<div class="container" >
<p><a class="btn btn-primary" href="https://www.youtube.com/channel/UCQ_hQvhueSdRY_XoAZgUY_w" target="_blank">Learn more</a></p>
<p class="testimonials-disclaimer">Individuals have not received compensation for their testimonial. Testimonial may not be representative of the experience of other customers.</p>
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<p style="margin-bottom: 0">You are leaving the CalSavers website and are being redirected to a site not maintained by Ascensus. Ascensus is not responsible for the content or availability of linked sites, nor do we monitor or endorse social media or press release activities.</p>
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<p class="mb-1"><a class="link-primary" href="tel:18556506916">Employer Assistance: 855-650-6916</a></p>
<p class="mb-1"><a class="link-primary" href="tel:18556506918">Employee Assistance: 855-650-6918</a></p>
<p class="mb-1"><a class="link-primary" href="https://www.treasurer.ca.gov/calsavers/" rel="nofollow" target="_blank"">treasurer.ca.gov/calsavers/</a></p>
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<div class="footer-nav d-print-none">Copyright © 2024 <span aria-hidden="true">|</span> <a class="link-primary" href="https://cdn.unite529.com/jcdn/files/CAU/pdfs/en_US/terms.pdf" rel="nofollow" target="_blank">Terms of Use</a> <span aria-hidden="true">|</span> <a class="link-primary" href="https://cdn.unite529.com/jcdn/files/CAU/pdfs/en_US/privacy.pdf" rel="nofollow" target="_blank">Privacy</a> <span aria-hidden="true">|</span> <a class="link-primary" href="http://www.ascensus529.com/home/infosec.html?language=en" rel="nofollow" target="_blank">Security</a><span aria-hidden="true">|</span> <a class="link-primary" href="https://www.calsavers.com/home/sitemap.html">Sitemap</a><span aria-hidden="true">|</span> <a class="link-primary" href="https://www.calsavers.com/home/frequently-asked-questions.html"> Help Center</a></div>
<div class="disclaimer">
<p>The CalSavers Retirement Savings Program (“CalSavers” or the “Program”) is an automatic enrollment payroll deduction IRA overseen by the CalSavers Retirement Savings Board (“Board”). Ascensus College Savings Recordkeeping Services, LLC (“ACSR”) is the program administrator. ACSR and its affiliates are responsible for day-to-day program operations. Participants saving through CalSavers beneficially own and have control over their IRAs, as provided in the Program Disclosure Booklet available at saver.calsavers.com. CalSavers is not sponsored by the employer, and therefore the employer is not responsible for the Program or liable as a Program sponsor. Employers are not permitted to endorse the Program or encourage or advise employees on whether to participate, how much (if any) to contribute or provide investment help.</p>
<p>CalSavers offers investment options selected by the Board. For more information on CalSavers’ investment options go to saver.calsavers.com. Account balances in CalSavers will vary with market conditions. Investments in CalSavers are not guaranteed or insured by the Board, the State of California, the Federal Deposit Insurance Corporation, or any other organization.</p>
<p>CalSavers is a completely voluntary retirement program. Savers may opt out at any time or reduce or increase the amount of payroll contributions. If a saver opts out they can later opt back into CalSavers.</p>
<p>Saving through an IRA may not be appropriate for all individuals. Employer facilitation of CalSavers should not be considered an endorsement or recommendation by a participating employer, IRAs, or the investment options offered through CalSavers. IRAs are not exclusive to CalSavers and can be obtained outside of the Program and contributed to outside of payroll deduction. Contributing to a CalSavers IRA through payroll deduction may offer some tax benefits and consequences. However, not everyone is eligible to contribute to a Roth IRA and savers should consult a tax or financial advisor if they have questions related to taxes or investments. Employers do not provide financial advice and employees should not contact an employer for financial advice. Employers should refer all questions about the Program to CalSavers. Employers are not liable for decisions employees make pursuant to Section 100034 of the California Government Code.</p>
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<p>In 2022, California passed legislation (<a href="https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=202120220SB1126" target="_blank">SB-1126</a>) to expand the CalSavers mandate to employers with at least one employee. Eligible employers with at least one employee in 2024 are required to register unless they meet one of the conditions for exemption:</p>
<ul style="margin-bottom: 0;">
<li style="color:#6b6b6b">sponsors a qualified retirement plan, or</li>
<li style="color:#6b6b6b">closed or was sold</li>
<li style="color:#6b6b6b">does not have any employees other than the owner(s), or</li>
<li style="color:#6b6b6b">company's classification is either a government entity, religious organization, or tribal organization</li>
</ul>
<p style="margin-bottom: 20px;">Employers will start receiving their official registration information by US mail and email in the Spring. If you believe your company is exempt from the mandate, submit an exemption request.</p>
<p><strong>Registration/Exemption Deadline: December 31, 2025</strong></p>
<div style="text-align:center; margin: 1rem 0;"><a class="btn btn-primary" href="https://employer.calsavers.com/californiaertpl/enroll/createEmp/viewCollectEmpPreRegDetails.cs?request_locale=en_US" target="_blank">Register or Request Exemption</a></div>
<hr />
<p style="font-size:.8rem"><em>If you preciously received a notice to register with a deadline in 2024 or earlier, then you may be out of compliance and must register immediately or face enforcement action.</em></p>
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