CalSavers is available to California workers whose employers don't offer a retirement plan, self-employed individuals, and others who want to save extra. The City of San Diego offers employees tax-deferred retirement savings plans to help employees achieve a financially secure retirement.Ease of Setup and Administration: SIMPLE IRAs are straightforward to establish and maintain, with no annual filing requirements for employers. CalSavers is a retirement savings program for private sector workers whose employers do not offer a retirement plan. Fill out and submit the retirement application request form to SDCERA. Any business of any size can set up one of these types of retirement plans, including a self-employed business owner. Please select a method of payment and fill in the appropriate information. Some states and cities require employers of certain sizes to either enroll in one of their retirement programs or set up their own qualified plan. Businesses have many options when setting up a retirement plan for their employees. Non-qualified supplemental retirement plans are generally not available to standard employees.