Hotels, motels, restaurants and seasonal businesses in Depoe Bay must comply with OregonSaves if they meet the 1+ employees threshold — or offer a qualifying plan. Up to $100 per eligible employee per year, capped at $5,000 per year.
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Informational only, not legal or tax advice.
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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.
Yes, if the business meets the threshold. OregonSaves applies to Oregon employers with 1+ employees that do not offer a qualifying plan. Hotels, motels, B&Bs and restaurants in Depoe Bay follow the same rules as any other employer — seasonal operation does not exempt you.
Not automatically. Coverage depends on how Oregon counts employees: 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. Seasonal employers can also satisfy the mandate with a SIMPLE IRA or 401(k), which may exclude employees who work fewer than 1,000 hours a year.
Yes. 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 plan also gives you a real recruiting benefit for seasonal and year-round staff.
Yes. SECURE 2.0 Act tax credits are available to small businesses with fewer than 100 employees that start a new qualifying retirement plan (the full startup credit applies at 50 or fewer employees; it phases down from 51–100). Credits of up to $5,000/year for 3 years, plus up to $1,000 per employee in employer-contribution credits (phasing down over five years), are available regardless of whether your business is seasonal.
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. Penalty: 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. Contact Kandelaki Solutions for a free compliance audit.
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