"[California employers] with five or more employees must participate in CalSavers if they do not already have a workplace retirement plan. Employers that do sponsor their own retirement plan must register their exemption from the state mandate.... [Oregon businesses] that do not offer a qualified retirement plan and are currently issuing payroll are required to implement the OregonSaves program.... Oregonian employers that sponsor a qualified retirement plan don't have to participate in the program but must certify their exemption and renew it every three years."  MORE >>