"Imagine ... the IRS audits the plan and determines that the corporation's total disregard for the law means it will disqualify the plan ... [S]ince the employer didn't maintain a qualified plan, it was required to register for CalSavers and failed to do so, now it is subject to penalties.... Another nightmare scenario involves misclassified workers.... These situations demonstrate how noncompliance with one law can trigger a prior obligation to comply with CalSavers."  MORE >>