Employers

Give your employees an easy way to save for retirement

Employers must register and begin sending employee payroll contributions, or claim their waiver by December 31 to receive their SDAT filing fee waiver

MarylandSaves can work for you

Retirement can help improve worker satisfaction, increase productivity, and reduce employee stress

MarylandSaves is an easy-to-facilitate, free-to-the-employer, state-sponsored workplace savings program that gives your employees an easy way to automatically save for emergencies and retirement. The program lets your employees contribute to a WorkLife Savings Account directly from their paycheck and can help businesses like yours compete by recruiting and retaining employees.

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Making a difference for business owners

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How to qualify for the SDAT filing fee waiver

Under Maryland law, most Maryland employers are required to offer their employees some sort of retirement savings plan. Employers who register and submit payroll contributions or claim their waiver before December 31 each year, will save $300 on their next year's SDAT annual report filing fee.

Register

We’ve created a step-by-step video that shows exactly what’s needed, including how to ensure your bank information is uploaded, your employees have been added properly, and more. If you want an overview of the whole process, please read our Registration Checklist.

Claim your waiver

If you already offer a qualified retirement plan to your employees, you are not required to register. Use your EIN and SDAT number to claim your annual report fee waiver online.

Exempt

Businesses with no employees or that run manual payroll are not required to register for MarylandSaves under state law and can certify their exemption online.

Program Benefits

Here’s how MarylandSaves benefits you as an employer:

  • It’s easy to set up and FREE to facilitate.

  • It allows you to focus on your business, with no complex administration and easy integration with your payroll process.

  • It will save you $300 annually. If you provide your employees with the option to enroll in MarylandSaves or another qualified plan, the Maryland Department of Assessment and Taxation will waive its $300 annual report filing fee.

Learn more about program benefits

MarylandSaves can work for you

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Reference

1. Craig Copeland, “2020 EBRI Financial Wellbeing Employer Survey: COVID-19 Driving Benefit Offerings and Potentially Forcing Tough Budget Decisions,” EBRI Issue Brief, no. 515 (Employee Benefit Research Institute, October 22, 2020).