Payroll

State retirement programs (CalSavers and others)

In some states an employer without a retirement plan must sign up with the state's program and send employees' savings from pay.

Needs a plan with Payroll (Starter and above).

Steps

1. Open State retirement programs. It lists each program in a state where you have employees and whether it likely applies.
2. If you offer a 401(k), SIMPLE IRA or similar plan, certify your exemption on the program's site and record it here.
3. Otherwise register on the program's site, download the employee list here and upload it there.
4. When the program tells you each person's savings rate, set it under Contributions. It's taken from pay after tax.
5. After each payday, download the contributions file for the dates paid and upload it to the program.