2019年，加利福尼亚州制定了Calsavers退休储蓄计划，目的是使加利福尼亚州的居民能够储蓄退休。Now, California’s June 30th Calsavers deadline for employers with five or more employees is looming closer.

Right now,almost half在美国所有私营部门员工中，小型企业雇用了。那个小组，只有约10％在工作中制定退休储蓄计划。尽管如此，提供退休计划的好处are wide-ranging for a small business, helping improve employee performance and retention.

在本文中，我们将分解一些有关Calsavers的最常见问题，以便您可以最好地确定您的小型企业应如何应对快速的授权。

What is CalSavers, and how does it impact me?

CalSavers is the state of California’s retirement savings program. It gives employees whose employers don’t offer a retirement program the ability to contribute to an Individual Retirement Account (IRA) with each paycheck. CalSavers is overseen by a state board and administered by private-sector financial service firms.

那么，Calsavers的要求如何影响您？根据Calsaverswebsite, employers who meet the following criteria must participate in the program or set up another qualifying retirement program like a 401(k):

• 雇主在加利福尼亚有五个或更多的W-2雇员
• 至少一名员工是18岁以上
• 雇主不提供单独的合格退休计划

符合此标准的企业的员工将自动加入该计划，除非他们选择退出。较小企业的员工（即少于五名员工）也可以开设一个Calsavers帐户，但是他们需要通过自我注册过程自己这样做。

CalSavers webinar alert! Join Patriot and Vestwell for a live webinar on Wednesday, June 15 at 1 p.m. (PDT) to learn more about CalSavers, what you need to know to stay compliant, and your options.在此注册.

How does CalSavers work?

CalSavers is an automatic enrollment Roth IRA program. Employee contributions to the programs are automatically deducted from each paycheck after taxes are taken out, so employees do not have to pay income taxes on this money when withdrawing it for retirement. The program is completely voluntary for employees, and they can opt out at any time.

如果员工没有选择自己的薪水百分比要扣除，则将进入Calsavers的标准储蓄率：其5％的5％总薪水. There is also a feature that automatically increases an employee’s savings rate by 1% each year until it reaches 8%.

Funds contributed to CalSavers grow tax-free, and participants can withdraw their contributions at any time. However, if a participant takes money out of their CalSavers Roth IRA before the age of 59½ by requesting a nonqualified distribution, the IRS charges a 10% penalty on the earnings portion of their distribution.

Also, at any time, participants have the option of transferring their account balance into a traditional IRA.

When is the CalSavers deadline for businesses?

CALSAVERS企业的截止日期基于公司规模。Calsavers网站分解了公司的截止日期：

• 100多名员工 - 9/30/20（通过截止日期）
• 50+ employees – 6/30/21 (deadline passed)
• 拥有5多名员工的公司 - 6/30/22（fast approaching)

The average number of employees reported to California in the previous calendar year determines deadlines for compliance and eligibility. For businesses with five or more employees, the implementation deadline is June 30, 2022. If your small business already offers a retirement program, you may instead indicate on the state’s website that you are exempt.

calsavers罚款

Employers who fail to comply must pay a penalty of $250 per eligible employee if noncompliance extends 90 days or more after receiving notice of non-compliance; $500 per eligible employee if non-compliance extends 180 days or more after the notice.

Currently, CalSavers is beginning to enforce non-compliance fines for businesses with more than 100 workers that do not offer an alternate retirement plan.

Which employees can participate in CalSavers?

加利福尼亚州18岁以上并且有工作的任何居民都有资格参加Calsavers。合格的工人是由雇主自动注册的，但有30天的窗口可以更改其缴款率，投资选择或在任何薪资捐款开始之前选择退出。储蓄者可以随时更改其帐户或选择退出。帐户均由每个参与者拥有，并且可以从工作到工作。

参与的雇主必须在租用日期的30天内将新员工上传到门户网站。自雇个人和企业主也有资格，可以使用自我注册流程来开设帐户。

是否有Calsavers计划替代方案？

如果您的企业有五个或更多的员工，并且还没有赞助计划，则可以提供几种其他计划。您可以设置一个：

• 401(k) plan(including multiple employer plans or pooled employer plans)
• 401（a） - 合格计划（包括利润分享计划和定义的福利计划）
• 403(a) – Qualified Annuity Plan or 403(b) Tax-Sheltered Annuity Plan
• 408(k) – Simplified Employee Pension (SEP) plans
• 408（p） - 小型雇主的雇员（简单）IRA计划的储蓄激励匹配计划
• 工资扣除IRA带有自动注册的IRA

同时为马CalSavers可能是正确的决定ny employers in the state, other businesses could be better served by establishing their own employer-sponsored retirement plan, such as a 401(k), to meet CalSavers requirements while also improving their employees’ financial security.

401（k）计划同时提供传统和罗斯的选择，以及更高的贡献限制和利润共享。因此，401（k）计划是企业主和员工为退休节省更多的机会。重要的是，雇主对401（k）的捐款可在雇主的联邦所得税申报表上扣除到一定限制，这意味着雇主也可以从为雇员提供401（k）的财务上受益。

It’s important to consider all available options and research which plan is best for your business.

How can Patriot & Vestwell help?

爱国者和维斯特威尔已经合作为加利福尼亚和美国各地的小型企业提供负担得起的退休计划。Vestwell的数字退休平台直接与爱国者的工资单软件，使您更容易提供和管理公司赞助的401（k）。通过将技术与一流的退休计划相结合，Vestwell为爱国者的客户创建了定制的计划，这些计划价格合理，易于设置和使用。

If you’re a California employer interested in setting up a 401(k) account for your business instead of facilitating CalSavers, you can contact Vestwell to determine if you are eligible to receive up to $16,500 in tax credits, which can help cancel out administration costs.

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This is not intended as legal advice; for more information, please点击这里。