Final CalSavers Registration Deadline for Small Businesses
The state-run CalSavers retirement savings program was created in 2016 to provide employees with the opportunity to save for retirement when they may not have otherwise had the chance to do so. For a history of updates on the program, see California’s Mandatory Retirement Plan Impacts More Employers in 2025.
Businesses (and most non-profit entities) with one or more non-owner employees in California must offer their employees a retirement plan (such as a 401(k) plan) or enroll in the CalSavers program. The deadline to enroll is December 31, 2025. Even if a business does have a retirement plan, it should still register with CalSavers to notify the program that it offers employees a qualified retirement plan and request an exemption.
Businesses that do not register by the deadline will face financial penalties.
To incentivize businesses to participate before November 30, CalSavers is awarding 1,000 employers a $500 cash award via a random drawing. For additional information and eligibility, continue reading CalSavers Retirement Savings Program 2025 Employer Incentive Campaign.
Businesses that do not employ any individuals other than the owners are exempt from the CalSavers mandate.
For more information and to register your business or file for an exemption, visit CalSavers for Employers.
