California has the most mature state retirement mandate in the US. CalSavers launched in 2019 and is now fully enforced for ALL employers with 1+ employees. Penalties are actively being issued.
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Informational only — not legal or tax advice.
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Yes. As of 2022, all California employers with 1 or more employees must either enroll in CalSavers or offer a qualifying private retirement plan such as a 401(k), SEP IRA, or SIMPLE IRA.
California fines non-compliant employers $250 per eligible employee after 90 days of notice, and $500 per employee after 180 days. Penalties are actively being issued by the Franchise Tax Board.
Offer a qualifying private retirement plan (401k, SEP IRA, SIMPLE IRA). This automatically exempts you from CalSavers. Plus, SECURE 2.0 tax credits can offset up to $5,000/year of startup costs.
Book a free 15-minute compliance audit. We'll show your exact requirement, your real exposure, and whether your own plan saves you money.