CalSavers Compliance Made Easy: How Nuage Digital Can Help Your Business!

Payroll

Nuage Digital

November 30, 2025 1:49 am

CalSavers Compliance Made Easy: How Nuage Digital Can Help Your Business!

California’s CalSavers Retirement Program ensures that private-sector employees without access to a workplace retirement plan can save for their future. If your business has 5 or more employees and doesn’t offer a retirement plan, registration is mandatory. At Nuage Digital, we not only help you understand your obligations but also simplify compliance, so you can focus on growing your business.

Understanding CalSavers and What It Means for Your Business

CalSavers allows employees to contribute directly from their paycheck into a Roth IRA (or Traditional IRA if eligible). Employers are responsible for facilitating payroll deductions and registering on www.calsavers.com, but the program handles all administration.

Key Responsibilities for Employers

If your business doesn’t have a qualified retirement plan, you must:

Register and set up your employer portal
Maintain an up-to-date employee roster
Facilitate payroll deductions and submit contributions on time

How Employees Benefit from CalSavers

Employees are automatically enrolled at 5% payroll deduction
Contributions increase 1% annually (up to 8%)
Employees can adjust, opt out, or re-enroll anytime

Penalties for Non-Compliance

Failure to comply can result in fines:

$250 per eligible employee after 90 days
$500 per employee after 180 days
Penalties enforced by the Franchise Tax Board (FTB)

How Nuage Digital Can Help

At Nuage Digital, we provide end-to-end business solutions so compliance is effortless:

Bookkeeping: Keep your financial records accurate and up-to-date.
Payroll: Automate employee deductions and filings, including CalSavers contributions.
Sales Tax & Expense Management: Streamline your reporting and stay compliant.
Nuage Pulse Dashboard: Track all financial metrics in real-time for better decision-making.

Our global growth team of accountants, payroll specialists, and digital experts ensures your business operations are seamless while you focus on growth.

Take Action Today

Received a CalSavers notice? Forward it to our team immediately.
Have 5+ employees but no notice yet? Register proactively to avoid penalties.

Final Reminder: All California employers must register or certify an exemption by December 31, 2025. Let Nuage Digital handle compliance so you can focus on what matters most i..e growing your business.

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