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The Mandate Monitor

OregonSaves: next employer deadline July 31, 2027

In effectChecked November 7, 2026Run by Oregon Retirement Savings Board (Oregon State Treasury)

Short answer

Every Oregon employer that doesn’t offer a qualified retirement plan must facilitate OregonSaves, the state’s auto-enroll Roth individual retirement account (IRA) program, no matter how few employees it has. The size-based waves ended in July 2023; newly established employers now register in an annual wave due July 31. Employers that already offer a plan, or have no W-2 employees, certify an exemption instead.

Next date: July 31, 2027: Annual registration deadline for newly eligible employers: businesses established in Oregon from April 1, 2026 through March 31, 2027 must register or certify an exemption (1+ employees).

Does your payroll handle OregonSaves? See the free state route and the 5 payroll systems with help docs that cover it.

OregonSaves deadlines

  1. · Retirement mandate

    Annual registration deadline for newly eligible employers: businesses established in Oregon from April 1, 2026 through March 31, 2027 must register or certify an exemption

    1+ employees

  2. · Retirement mandate

    Annual registration deadline for newly eligible employers: businesses established in Oregon from April 1, 2027 through March 31, 2028 must register or certify an exemption

    1+ employees

Dates already passed (8)
  • : Annual registration deadline for newly eligible employers (2026 wave). (1+ employees)
  • : Registration deadline for employers with 1 or 2 employees, and for PEO client employers.
  • : Registration deadline for employers with 3 or 4 employees.
  • : Registration deadline for employers with 5–9 employees.
  • : Registration deadline for employers with 10–19 employees.
  • : Registration deadline for employers with 20–49 employees.
  • : Registration deadline for employers with 50–99 employees.
  • : Registration deadline for employers with 100 or more employees.

What employers have to do

  1. Register on the OregonSaves employer portal with your Employer Identification Number (EIN) and OregonSaves access code by your deadline, or certify an exemption.
  2. Add employee information within 30 days of registering (and within 30 days of each later hire’s start); employees are enrolled automatically 30 days later unless they opt out.
  3. After the 30-day decision period, deduct and send contributions for enrolled employees every pay period.
  4. Keep records current: add new hires, update contribution rate changes, and mark former employees as terminated. Refer savings questions to OregonSaves rather than advising employees.

Handling OregonSaves in payroll

The free route: register directly with the state

You can register and report on your own through Oregon Retirement Savings Board (Oregon State Treasury). You’ll still need your payroll to send the employee contributions each pay period.

Payroll systems with a help document covering OregonSaves

SystemWhat the documentation saysLink
ADP RUNThe OregonSaves help center lists a 360-degree integration for ADP Run that runs through Payroll Integrations, a third party that charges employers a monthly fee. Read the program’s help doc, Nov 7, 2026See plans for ADP RUN
GustoGusto’s auto-IRA help article lists OregonSaves among the state programs that integrate with Gusto through Vestwell, which adds a "Vestwell State IRA" deduction to payroll. Read their help doc, Nov 8, 2026See plans for Gusto
Paychex FlexThe OregonSaves help center describes a 360-degree integration with Paychex Flex (Select and Pro) that receives contributions from payroll and sends employees’ savings-rate changes back. Read the program’s help doc, Nov 7, 2026See plans for Paychex Flex
QuickBooks PayrollThe OregonSaves help center describes a 360-degree integration with QuickBooks Online Payroll (a QuickBooks Online plus Payroll subscription) that receives contributions from payroll and sends employees’ savings-rate changes back. That help center lists QuickBooks Online Payroll as supported and doesn’t mention Workforce plans. Read the program’s help doc, Nov 7, 2026See plans for QuickBooks Payroll
Square PayrollThe OregonSaves help center lists a 360-degree integration with Square Payroll; employers request it by emailing their Square Payroll representative. Read the program’s help doc, Nov 7, 2026See plans for Square Payroll

Listed alphabetically. We may earn a commission from these links; it never decides who’s listed.

How OregonSaves works

Default 5% of gross pay into a Roth individual retirement account (IRA), with a standard automatic increase of 1% each year (on or about January 1) until the rate reaches 10%. Savers can change their rate (1% to 100%), skip the increase, or opt out at any time. Contributions start in a capital preservation fund for 30 days, then move to an age-based target retirement date fund.

No employer fees. Employers cannot contribute to employee accounts and have no fiduciary responsibility.

Questions employers ask

Who has to follow OregonSaves?

All Oregon employers (any employing unit with at least one worker in each of 18 weeks of a calendar year, or a quarterly payroll of $1,000 or more) that do not offer a qualified plan such as a 401(k), 403(b), Simplified Employee Pension (SEP), SIMPLE individual retirement account (IRA) or governmental 457(b) plan. Payroll deduction IRAs don’t count as a qualified plan. Employee count comes from the employer’s Oregon Quarterly Tax Report (Form OQ). Eligible employees are 18 or older with a Social Security number (SSN) or Individual Taxpayer Identification Number (ITIN), including part-time and seasonal workers employed more than 60 days in a calendar year.

How do employers get an exemption from OregonSaves?

Certify an exemption online at oregonsaves.com/exempt with your Employer Identification Number (EIN) and OregonSaves access code if you offer a qualified plan or have no W-2 employees. Employers matched to a Form 5500 filing may receive a notice of presumed exemption and need not act while they keep the plan. If you drop your plan, you must register by the later of your scheduled date or 90 days after the plan ends (OAR 170-080-0015, -0020).

What happens if an employer doesn’t comply?

Failing to administer OregonSaves is an unlawful practice under ORS chapter 659A (ORS 178.250). After a Bureau of Labor and Industries investigation, the commissioner may impose a civil penalty of up to $100 per eligible employee, capped at $5,000 per calendar year (ORS 178.990). OregonSaves says penalties are based on employee counts in state employment records for the last two quarters. An employee complaint can’t be filed until two years after the employer’s registration deadline, but the Oregon Retirement Savings Board can ask BOLI to investigate after three attempts to bring the employer into compliance (ORS 178.205, 178.255).

Everything employers in Oregon must do ·Retirement mandates in every state

Sources

  1. ORS 178.200–178.260 and ORS 178.990; OAR 170-080
  2. OAR chapter 170, division 80 (Oregon Retirement Savings Program rules), incl. 170-080-0015 registration dates, Oregon Secretary of State (read Nov 8, 2026)
  3. Employer compliance (new-business deadline, penalties, exemption), OregonSaves (read Nov 8, 2026)
  4. Employer program details (upcoming deadline, steps), OregonSaves (read Nov 7, 2026)
  5. Saver contributions (default rate and annual increase), OregonSaves (read Nov 7, 2026)