Lapse in Appropriations

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薪酬和福利

养老金和退休储蓄金

如果您为雇员提供福利，您就须承担相应的责任。

作为私营部门雇主，如果您决定提供退休储蓄金计划，则您有责任保护参与退休储蓄金计划的劳工和退休人员的利益。联邦法律为受托人（指管理私营部门退休计划及其资产的个人和/或实体）设定了行为标准。

您可能希望聘请外部专业人员（有时称为第三方服务提供商）来管理计划的部分或全部日常运作，也可能选择由内部行政委员会或人力资源部门来管理。无论采用何种管理方法，如果您为雇员提供退休储蓄金计划，您都负有受托人责任。

有疑问吗？
我们可以提供帮助。

我们致力于帮助您了解作为雇主的权利。许多关于福利计划的问题可以通过以下 elaws（劳工和小企业雇佣法律援助）Advisor 来解答：

《雇员退休收入保障法案》(ERISA) 受托人 Advisor

小型企业退休储蓄金 Advisor

如需更多帮助，请联系：

离您最近的雇员福利保障局 (EBSA) 地区办公室，或免费致电 1-866-444-3272

您所在州的劳动局

我们的咨询服务免费且保密。

其他资源

需要更多信息？

The elaws (Employment Laws Assistance for Workers and Small Businesses) Advisors are a set of online tools developed by the U.S. Department of Labor to help employees and employers understand their rights and responsibilities under federal employment laws.

Common Concerns

What are the basic requirements for paying my employees?

What does it mean to pay for all hours worked?

What are the requirements around paying minimum wage?

Do I have to pay overtime?

What kinds of pay and hours records do I need to keep?

What are the rules about hiring youth?

Do I need to provide family and medical leave?

Do I need to provide breaks for nursing mothers to pump?

Do pension and retirement savings rules apply to me?

Do I need to provide health benefits?

What posters do I need to display in my workplace?

What does it mean to provide equal pay?