Oregon small businesses, it’s time to register for OregonSaves!

If you’re a business with 3 or more employees, you are required to sign up by March 1, 2023.

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  • Beneficiary Designation Form

    Use this form to change or add primary beneficiaries and secondary beneficiaries.

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  • Can cannabis-related businesses facilitate OregonSaves?

    Yes, cannabis-related businesses can facilitate OregonSaves by taking the following actions: Contact the Oregon Liquor Control Commission at 1-800-452-6522, select option 1, and provide your Federal Tax ID and Oregon Business Identification Number. Then, call OregonSaves at 1-844-661-1256 to...

  • Can employees in my employer-sponsored retirement plan also participate in OregonSaves?

    Yes. If your employees are 18 or older, have earned income, and are eligible to contribute to an IRA, they can sign up for an account. They can contribute through their bank account (or by check using a mail-in paper form after the account has been set up), or they can contribute through payroll...

  • Can employers cancel their employer-sponsored retirement plans and offer this instead?

    Oregon's program isn't intended to replace employer-sponsored retirement plans, which have many important benefits. For example, 401(k) plans have higher employee contribution limits and allow for employer matching contributions, unlike OregonSaves.

  • Can employers match employee contributions?

    No, OregonSaves does not allow employer contributions. As an employer, your role is limited to facilitating the program for your employees.

  • Can facilitating OregonSaves help my business?

    Not every employer has the resources to provide a qualified, employer-sponsored retirement plan. OregonSaves provides a way for those employers to offer a workplace savings option that helps employees to reach their financial goals. Employers that already facilitate this program tell us that it’s a...

  • Can I contribute a set dollar amount per paycheck instead of a percentage?

    Contributions through payroll deductions can be made only as a percentage of your gross pay. If you’d rather contribute a set dollar amount on a recurring monthly schedule, you have the option to connect a bank account to your OregonSaves account.

  • Can I get help when setting up my employer account?

    Absolutely. The redesigned employer portal has a number of articles and How To tips to help you set up and manage your account. Just visit https://oregonsaves.zendesk.com/hc/en-us to access this support.

  • Can I have a designated employee or payroll services provider complete the registration and enrollment process?

    Yes. You can elect to add “Admins” to your account to help facilitate the OregonSaves program if you choose not to do it yourself. This could be an authorized employee or even staff from your payroll provider. The program is designed to work seamlessly with many payroll provider systems.

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OregonSaves is overseen by the Oregon Retirement Savings Board. Vestwell State Savings, LLC, dba Sumday Administration (“Sumday”), is the program administrator. Sumday and its affiliates are responsible for day-to-day program operations. Participants saving through OregonSaves beneficially own and have control over their Roth IRAs, as provided in the program offering set out at www.oregonsaves.com/savers.

OregonSaves’ Portfolios offer investment options selected by the Oregon Retirement Savings Board. For more information on OregonSaves’ Portfolios go to www.oregonsaves.com/savers. Account balances in OregonSaves will vary with market conditions and are not guaranteed or insured by the Oregon Retirement Savings Board, the State of Oregon, the Federal Deposit Insurance Corporation ("FDIC") or any other organization.

OregonSaves is a completely voluntary retirement program. Saving through a Roth IRA will not be appropriate for all individuals. Employer facilitation of OregonSaves should not be considered an endorsement or recommendation by your employer of OregonSaves, Roth IRAs, or these investments. Roth IRAs are not exclusive to OregonSaves and can be obtained outside of the program and contributed to outside of payroll deduction. Contributing to an OregonSaves Roth IRA through payroll deduction offers some tax benefits and consequences. You should consult your tax or financial advisor if you have questions related to taxes or investments.

By clicking on one of the social media icons, you are leaving the OregonSaves website, maintained by Sumday and are being redirected to a social media site solely maintained by the Oregon Retirement Savings Board (“Board”). Sumday, the program administrator for OregonSaves, does not monitor or endorse the Board's social media activities. All OregonSaves social media activities are the sole responsibility of the Board.

The OregonSaves mark and OregonSaves logo are registered trademarks of the Oregon Retirement Savings Board and may not be used without permission.

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