This page covers what is specific to Half Moon Bay: local employers, seasonal hiring, and where to get help. For the statewide rules, see the CalSavers requirements and deadlines.
ZIP codes with a Half Moon Bay mailing address had 509 business locations in 2023, with about 4,848 people on payroll in the March pay period.
CalSavers applies from the first employee, so each of those 509 locations belongs to an employer that, if it is a business that meets the state's other conditions (such as time in business), needs either its own retirement plan or the state program.
The most common types of business in these ZIP codes are accommodation and food services (72 locations), retail trade (64 locations) and professional, scientific and technical services (62 locations). Across San Mateo County, the largest industry by employment is information (112,818 jobs), and private leisure and hospitality employment ran from 41,904 in February 2024 to 43,510 in December 2024.
85 of the 509 business locations in Half Moon Bay's ZIP codes are in accommodation and food services or arts, entertainment and recreation, the leisure and hospitality industries where staffing levels tend to change with the season. California counts employees under Cal. Code Regs. tit. 10, §10001(a). The rule reads: “average number of employees during the previous calendar year, as reported to EDD on Form DE 9C for the quarter ending Dec 31 and the preceding three quarters”. If your Half Moon Bay business's headcount rises and falls during the year, that wording decides whether you meet the threshold, so confirm your status with CalSavers.
Free one-on-one advising for Half Moon Bay businesses is available from the San Mateo SBDC, the NorCal SBDC center for San Mateo County, in South San Francisco.
Local business network for Half Moon Bay: Half Moon Bay Coastside Chamber of Commerce.
CalSavers employer assistance: 855-650-6916.
If your business has at least one employee in California and offers no qualified retirement plan, CalSavers requires you to register or certify an exemption. All announced registration deadlines have passed.
Book a free 15-minute compliance audit. We'll show your exact requirement, your real exposure, and whether your own plan saves you money.