OregonSaves has been live since November 2017. It applies to Oregon employers with 1+ employees that do not offer a qualifying retirement plan. Penalty: Up to $100 / employee (cap $5,000 / yr). Already passed: All tiers (100+ through 1–2 employees) (2023-07-31) — unregistered employers should register or certify an exemption now.
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OregonSaves covers Oregon employers with 1+ employees that do not offer a qualifying retirement plan. Counting rule: Any employer with one or more employees (OAR 170-080-0010: employment in 18 separate weeks or $1,000 quarterly payroll); count taken from the Oregon Quarterly Tax Report. No years-in-business requirement; new employers register by July 31 of the following year.
Up to $100 per eligible employee per year, capped at $5,000 per year. The penalty is in force; no public record of assessments yet.
Already passed: All tiers (100+ through 1–2 employees) (2023-07-31) — unregistered employers should register or certify an exemption now. Newly eligible employers: July 31 each year.
ORS 178.200–178.260, 178.990(1)(a); OAR 170-080-0010/-0015/-0020 · Official program: www.oregonsaves.com · Verified 2026-09-17.
OregonSaves is Oregon's state-facilitated retirement savings program. It has been live since November 2017. Program: https://www.oregonsaves.com.
OregonSaves covers Oregon employers with 1+ employees that do not offer a qualifying retirement plan. Counting rule: Any employer with one or more employees (OAR 170-080-0010: employment in 18 separate weeks or $1,000 quarterly payroll); count taken from the Oregon Quarterly Tax Report. No years-in-business requirement; new employers register by July 31 of the following year.
Up to $100 per eligible employee per year, capped at $5,000 per year. The penalty is in force; no public record of assessments yet.
Already passed: All tiers (100+ through 1–2 employees) (2023-07-31) — unregistered employers should register or certify an exemption now. Newly eligible employers: July 31 each year.
Exempt with a plan under 401(a)/401(k), 403(a)/403(b), SEP (408(k)), SIMPLE (408(p)), 457(b), 413(c) or 414(f); payroll-deduction IRAs do not qualify; Certificate of Exemption required. A private 401(k) or SIMPLE IRA satisfies the mandate and may qualify for SECURE 2.0 startup credits.
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