Oregon Retirement Mandate: OregonSaves

OregonSaves was the nation's first state mandate, launched in 2017. All Oregon employers with 1+ employees must participate or offer a private plan. Full enforcement is active.

Check your exposure Book a free 15-min audit

OregonSavesENFORCING

State program

1+ employees

Employee threshold

$100 / employee (cap $5,000 / yr)

Non-compliance penalty

// 60-second check

What does Oregon actually require?

Set your headcount for your real exposure — data verified against the statute.

Your state

Number of employees

Informational only — not legal or tax advice.

Annual exposure · Oregon

—

Get your full breakdown + a private-plan savings estimate:

// state plan vs your own

You can comply two ways. Only one builds anything.

The state auto-IRA

Compliance, nothing else

No employer match allowed
Low Roth-IRA contribution limits
One-size-fits-all investments
No tax credits for your business

RECOMMENDED

Your own 401(k)

Compliant — and working for you

Match if and when you want
Far higher contribution limits
SECURE 2.0 credits offset setup
A real recruiting & retention perk

// frequently asked

Asked by employers here.

Is OregonSaves required for all Oregon employers?

Yes. All Oregon employers with at least one W-2 employee must either enroll in OregonSaves or certify that they offer a qualifying retirement plan.

What is the OregonSaves penalty?

Oregon fines non-compliant employers $100 per eligible employee per year.

How do Portland businesses opt out of OregonSaves?

By offering a qualifying private plan (401k, SEP, SIMPLE IRA). File an exemption certificate with OregonSaves. SECURE 2.0 credits can make setup essentially free.

Find out where you stand — before the state does.

Book a free 15-minute compliance audit. We'll show your exact requirement, your real exposure, and whether your own plan saves you money.

Free 15-minute audit

No obligation · (732) 444-8686

Book my free audit