CalSavers 101
CalSavers概要
CalSavers is a Retirement Savings Program that gives employers an easy way to help their employees save for retirement, with no employer fees, no fiduciary liability, and minimal employer responsibilities.
Employers with five or more employees must participate in CalSavers if they don't already have a workplace retirement plan.
CalSavers是一項退休儲蓄計劃，它為雇主提供了一種簡單的方法來幫助員工為退休儲蓄，雇主無需支付費用，無信託責任和最少的雇主責任。擁有五名或以上員工的雇主如果還沒有退休計劃，則必須參加 CalSavers。
The next deadline is June 2022.
下一次申請截止是2022年6月。
How to apply?
如何申請？
Determine mandate status: Only employers who do not sponsor a retirement plan and have five or more California employees must join CalSavers. 確定要求狀態：只有不資助退休計劃且擁有五名或以上加州員工的雇主才能加入CalSavers。
Register your company: You will need your company’s Federal Employer Identification Number or Tax Identification Number (EIN/TIN) and your CalSavers Access Code. 註冊登記您的公司：需要您公司的聯邦雇主識別號碼或稅號證件號碼（EIN/TIN）和您的CalSavers訪問代碼。
Add employee information: This will begin the automatic enrollment process. Employees will then have 30 days to decide to participate or opt-out. If they do not make a selection, they will be auto-enrolled in the program. 添加員工信息：這將啟動自動註冊過程。然後，員工將有30天的時間來決定參與或退出。如果員工沒有做出選擇，則將被自動註冊到該計劃中。
Submit employee contributions: You’ll begin facilitating payroll deductions each payroll period through bank transfer. These deductions will be added to the employee’s account and invested according to their selections. 提交員工供款：您將通過銀行轉帳從每個工資核算週期的工資扣除。這些扣除額將轉到員工的退休賬戶中，並根據他們的選擇進行投資。
Keep in mind:
請注意：
Employees will be auto-enrolled after 30 days if they do not opt-out and will begin saving through payroll contributions facilitated by their employer. 如果員工不選擇退出，他們將在30天后自動註冊，並將通過雇主提供的工資供款開始儲蓄。
Employees can opt-out and back in at any time. 員工可以隨時選擇退出和重新加入。
The savers' account is a Roth IRA (after tax) that is set up in their name. (Savers can recharacterize to a Traditional IRA.) 員工的退休儲蓄賬戶是以他們的名字設立的Roth IRA（稅後）。 （儲戶可以重新選擇傳統IRA。）
The default savings rate is 5% of gross pay. Savers can change their rates at any time. 默認儲蓄額度為工資總額的5%。員工可以隨時更改其額度。
The savers' account is portable. It stays with them even if they leave your workplace. 員工的退休儲蓄帳戶是可轉移的。即使員工離開您的公司，該退休儲蓄帳戶也將跟隨員工。
Savers can manage their accounts online, by phone, or using the CalSavers mobile app. 員工可以上網，電話或使用CalSavers移動應用程序來管理他們的退休儲蓄帳戶。
We have specialists to assist you in English, 普通话, 廣東話, 臺灣閩南語, Español and Português.
我們為您提供英語、普通話、廣東話、台灣閩南語、西班牙語和葡萄牙語的幫助。
Learn more about us at www.epiagroup.com or call (626) 912.1988
想了解更多詳細內容，請訪問我們的網站www.epiagroup.com或著致電(626)912.1988
Source 資料來源: https://employer.calsavers.com/
___________________________________________________________
EPIA inc. is a private Insurance Agency with no ties with legal entities. The information contained in this article is based on information provided by the Covered California Official Website. EPIA attempts to ensure that all material is up-to-date therefore is not responsible or liable in any manner for any errors or miss information announced on its main sources.
EPIA 公司是一家與法律實體沒有聯繫的私人保險機構。本文中包含的信息基於加州全保官方網站提供的信息。 EPIA 盡力確保所有信息都是最新的，因此對其主要來源公佈的任何錯誤或遺漏信息不承擔任何責任或義務。