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CalSavers compliance in as little as 5 minutes


A Guideline 401(k) checks all the boxes.

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Meets the California retirement mandate

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Integrates directly with QuickBooks

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Automates employee onboarding and admin tasks

Pay $0 in employer fees your first year.§ Then, tax credits could cover 100% of plan costs the next 2 years.1

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60K+
businesses2
1M+
savers3
93%
customer satisfaction score4
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Innovation by Design Award 20245

What is CalSavers?

CalSavers was established in 2016. It requires California employers with at least one employee to offer the state-sponsored plan or a qualified alternative like a Guideline 401(k) by December 31st of the year in which your business becomes eligible.6 Let’s look at your options.
  • 1-4 employees

    December 31, 2025

  • 5+ employees

    Deadline passed, penalties being enforced

Cliff JNorth Valley Counseling
It was clear that there was also going to be a lot of paperwork and compliance stress. I really did not want to do that. It was worth it to me to find an alternative to the state program.Client of Guideline. Views may not be representative of other clients.

The penalties could cost you thousands

  • Fines in California
up to $750/employee
You'll owe $250 per employee the first 90 days you're out of compliance, then an additional $500 per employee if you're still out of compliance at 180 days.6
  • Guideline Starter
$39/month + $4/month per active participant7
Unlock 12 months of $0 employer fees when you sign up by May 31§
Starter’s simplified plan design and no employer matching helps
make it easy and affordable to meet the mandate.
Why pay hundreds in penalties when you can save thousands with tax credits?1
See if you’re eligible

Compare CalSavers with Guideline Starter

Guideline logo
CalSavers
  • Retirement plan type
    Starter 401(k)
    Roth IRA
  • Tax benefit
    Pre or Post tax
    Post-tax only
  • Employee asset-based fee
    0.15%8
    0.30%9
  • Additional active employee fees
    None10
    $18/year account fee10
  • Professionally managed portfolios11
    6
    0
  • Investment options11
    40
    17
  • QuickBooks integration
    Yes
    Not disclosed
  • Exempt from IRS testing
    Yes
    Yes
  • Scales to a standard 401(k)
    Yes
    No
Meet the mandate and more with a Guideline 401(k)
  • Magnifying glass with check mark inside, simple icon.

    Easy setup

    Guideline will help you set up a 401(k) and enroll your employees for you. With CalSavers, you may have to do extra work on behalf of your employees during setup.
  • Lightening bolt simple icon.

    Seamless admin

    Our integration with QuickBooks takes most manual admin work out of the equation with automated payroll deductions and seamless employee onboarding.
  • Two hands shaking simple icon.

    Fast, live support

    We have your back — you and your team get access to fast, live support via phone and email. Our annual plan sponsor customer satisfaction score is 93%.4

"I am a big Quickbooks fan, and Guideline is integrated right in. That's phenomenal."

Cliff J., North Valley Counseling

Client of Guideline. Views may not be representative of other clients.

Calculator

Estimate your plan costs

If you’re starting a new 401(k), your small business may be eligible to receive up to $16,500 in tax credits over the plan’s first three years to help offset initial plan costs.1
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  • Quickbooks logo
Skip the state mandate stress
with Guideline and QuickBooks.
Sign up today

Contact us

  • quickbooks@guideline.com

CalSavers FAQs

What is the mandate?

The CalSavers Program was created to encourage more people to save for retirement. It requires California employers with at least 1 employee to provide access to a retirement plan. The plan can either be a private plan like a 401(k) or the state-sponsored plan.

When does the mandate take effect?

For businesses with 5+ employees, the initial deadline has already passed. For newly established businesses or businesses that hire their 5th employee, the deadline is December 31st each year. For companies with 1-4 employees, the deadline is December 31, 2025.

Which employers are impacted by the retirement mandate?

You are eligible to participate in the CalSavers Program if:

  • Your business is registered to conduct business in the state of California
  • You have at least five California based employees
  • Your employees must be 18 years old to enroll in CalSavers
  • You don’t currently offer a qualified retirement savings program to your employees

Are there penalties for not offering a retirement benefit?

Yes. Employers will be subject to a penalty equal to:

  • $250 per eligible employee if noncompliance extends 90 days or more after being served a notice of failure to comply
  • Additional $500 per eligible employee if noncompliance extends 180 days or more after the notice12

Does Guideline satisfy the retirement mandate?

Yes. All of Guideline's 401(k) plans are designed to satisfy state program requirements and are priced to be affordable for businesses of all sizes.

Can I move from Guideline Starter to a standard 401(k)?

While it is possible for a plan to convert from a Starter 401(k) to a standard 401(k) plan at Guideline, the transition cannot take place until the beginning of the next calendar year. Learn more here.
  • 1
    This content is for informational purposes only and is not intended to be taken as tax advice. Please consult a tax professional to determine what types of tax credits or deductions your company is eligible to claim.
  • 2
    As of April 2025
  • 3
    Total number of Savers, both active and non-active, that have participated in Guideline products from 2016-2024.
  • 4
    Guideline’s average plan sponsor satisfaction score (CSAT) based on feedback received from 1/1/2024 to 12/31/2024.
  • 5

    2024 Fast Company Innovation by Design Award Winner for Guideline's mobile application in the Mid-Size business category.

  • 6
    The CalSavers mandated registration deadline with at least 1 employee (as reported to the EDD in the preceding calendar year), who are not otherwise exempt from participation, can register with CalSavers. The registration deadline for employers with 1-4 employees is December 31, 2025. Requirements to report your exemption apply. Guideline has prepared this summary from third-party sources as of June 2025. The information herein is considered to be reliable at the time of writing, may not necessarily be all-inclusive, is not guaranteed as to accuracy and is subject to change at any time without notice. The information provided herein is general in nature and is for informational purposes only. It should not be used as a substitute for specific tax, legal and/or financial advice that considers all relevant facts and circumstances. Investing involves risk and investments may lose value. You are advised to consult a qualified financial adviser or tax professional before relying on the information provided herein. Deadlines, fees, and other program details are subject to change by the state without notice and should be checked prior to making any decisions and can be reviewed by visiting the State of California’s Franchise Tax Board. Visit the CalSavers site to learn more.
  • 7
    See here for more information regarding fees.
  • 8

    Investment advisory services for Guideline’s 401(k) product (when 3(38) fiduciary services are appointed) and SEP IRA/IRA products are offered by Guideline Investments, LLC, an SEC-registered investment adviser. An assumed annual account fee of 0.15% is applied to assets under management and is deducted on a monthly basis. It’s calculated at 1/12 of the annual stated rate (0.15%) based on the account balance on the last day of each month. Alternative account fee pricing is available, ranging from 0.15% to 0.35%. Contact Sales at hello@guideline.com to learn more about exclusive pricing options available in Enterprise tier. See the Form ADV 2A Brochure for more information regarding this fee.

  • 9
    CalSavers charges an assumed annual account fee of between 0.30% (.05% State Fee and a .25% Program Administrative Fee) on assets under management as of February 2025 according to CalSavers Program Description. This fee includes the State Fee and the Program Administrative Fee. The State Fee is payable to the Board to offset expenses related to the establishment, oversight, and administration of the Program. The State Fee accrues daily and is factored into each Investment Option’s Unit Value. The Program Administrator receives the Program Administration Fee for providing recordkeeping and administrative services for the Program pursuant to a contract with the Board. The Program Administration Fee accrues daily and is factored into each Investment Option’s Unit Value. The fee presented does not include other fees that an employee may incur, including, but not limited to, underlying fund fees. Fees are subject to change by the state without notice and should be checked prior to making any decision.
  • 10
    The fee presented does not include other fees that a 401(k) participant may incur, including, but not limited to, from mutual fund expense ratios and a monthly maintenance fee to participants who end employment. Go to https://saver.calsavers.com/home/savers/program-details.html for more details.
  • 11

    Investment advisory services for Guideline’s 401(k) product (when 3(38) fiduciary services are appointed) and SEP IRA/IRA products are offered by Guideline Investments, LLC, an SEC-registered investment adviser, the “Affiliated RIA”). Specific references herein to “asset-based fees” or “investment options” or “we” or “our” in this specific context is referring solely services provided- or fees charged- by the Affiliated RIA. See the Affiliated RIA’s Form ADV 2A Brochure for more information regarding its services and fees. Recordkeeping services are offered by Guideline RK, LLC. 3(16) plan administration services are also offered by Guideline RK, LLC and only made available to clients who utilize an eligible payroll provider. Guideline uses a third-party to provide custodial services. Custodial fees are paid by Guideline.

  • 12
    CalSavers FAQ

Guideline.com is owned and operated by Guideline, Inc. This website contains content from Guideline, Inc. and its affiliates, each a separate entity with different regulatory marketing requirements and standards. References to "our" or "we" on this website refer solely to Guideline RK, LLC unless otherwise specifically stated.

The information in this website is for informational purposes only and is not intended to be an offer, recommendation, investment advice, legal or tax advice, or a solicitation to buy or sell any security. By using this website, you agree to Guideline, Inc.’s Privacy Policy and Terms and Conditions of Use. Neither Guideline, Inc. nor its subsidiaries, are responsible for information provided by third parties. Information included herein from third parties is believed to be reliable however Guideline, Inc. does not guarantee the accuracy and completeness of that information.

Guideline, Inc. is a technology company that provides an integrated platform to companies who seek to work with 1) Guideline RK, LLC ("Guideline") and/or 2) Guideline Investments, LLC, an SEC Registered Investment Adviser ("RIA"), both of which are wholly owned by Guideline Holdings, LLC. Guideline Holdings, LLC is wholly owned by Guideline, Inc. Neither Guideline, Inc. nor Guideline Holdings, LLC or Guideline RK, LLC is involved in securities activities and is not registered with the SEC or FINRA. Neither Guideline, Inc., nor any of its affiliates, is a bank.

Investment advisory services for Guideline’s 401(k) (when 3(38) fiduciary services are selected) and SEP IRA/IRA products are offered by Guideline Investments, LLC, an SEC-registered investment adviser. For more information regarding fees and services, see Guideline Investments, LLC’s ADV 2A Brochure and Form CRS. References throughout this website to investment advisory services including but not limited to: investments offered, portfolios, managed portfolios, investment philosophy, assets under management (AUM), annual account fees expressed as a percentage of AUM, suitability questionnaire, 3(38) investment advisory management fiduciary services, robo-advisory services, and investment advice, unless otherwise specifically stated, are services provided by Guideline Investments, LLC. Investing involves risk and may lose money, including loss of principal. Investing is not guaranteed and past performance is not a guarantee of future performance. The investment options offered by Guideline Investments, LLC are not FDIC insured.

Recordkeeping services for Guideline’s 401(k) and SEP IRA/IRA products are offered by Guideline RK, LLC. 3(16) plan administration services are also offered by Guideline RK, LLC and only made available to clients who utilize an eligible payroll provider. For more information on Guideline’s pricing, see here. Guideline uses a third-party to provide custodial services. Custodial fees are paid by Guideline.

Any graphs, charts, and other visual aids (collectively referred to as "image(s)") are provided for information purposes only. None of these images can of themselves be used to make investment decisions. No representation is made that these will assist any person in making investment decisions and no image can capture all factors and variables required in making such decisions.

© 2025 Guideline, Inc. All rights reserved

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