California and several other US states are also evaluating new state-administered retirement-savings programs for private-sector workers without access to employer-based plans. The California plan, based on a proposal by Teresa Ghilarducci and her colleagues, would automatically enroll eligible employees, defined as private-sector workers at firms with five or more employees that do not offer retirement plans.
加利福尼亚和其他几个美国州还在评估新的州政府退休储蓄计划，这些计划适用于无法参与基于雇主的退休计划的私人部门员工。加州的计划基于吉拉杜奇（Teresa Ghilarducci）及其同事的方案，将自动注册符合条件的员工（员工人数五人及以上的私人部门员工，雇主不提供退休计划）。退休储蓄缴纳将通过雇主自动工资减扣实现，默认减扣率为毛工资的3%，但员工可以选择退出或改变其缴纳率。