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MdSaves Retirement Export

MdSaves (Maryland Saves) is Maryland's state-facilitated retirement savings program for employees without employer-sponsored retirement plans. ProPay can export employee census data and payroll deduction contributions in the format required by MdSaves. This feature is available for clients with a Maryland state code.

Setting Up the MdSaves Deduction

Before exporting, configure the MdSaves deduction for the client and enrolled employees.

Employer deduction setup

  1. Go to Employer > Deductions Setup.
  2. Select an available deduction field (Ded1-Ded18).
  3. Enter the following settings:
    • Description: MdSaves (this exact name is required — ProPay uses the description text to match contributions to the export)
    • Taxability: Leave all boxes unchecked (after-tax Roth IRA deduction)
    • W-2 Column: Enter I
    • Check if used: Check this box

    Employee deduction setup

    1. Go to Employees > Add or Change > select the employee.
    2. Click the Deduct/Reim tab.
    3. Under Type, enter P (percentage).
    4. Enter the employee's contribution percentage.
    5. Enter the annual IRA contribution limit based on the employee's age.

    > Important: The deduction description must match "MdSaves" exactly. ProPay searches deduction descriptions to identify which deduction field to include in the export file.

    Exporting Employee Census Data

    The census export creates a file containing employee demographics for submission to the MdSaves program.

    1. From the Payroll Main Menu, click the Employer toolbar button.
    2. From the Exports popup menu, select MD Saves.
    3. Select Export Employees.
    4. ProPay generates the census file and displays it.

    Census file contents:

    Field Format
    Social Security Number 9 digits
    First Name, Middle Initial, Last Name, Suffix Text
    Date of Birth MMDDYYYY
    Address, City, State, ZIP Text
    Phone, Email Text

    After export, ProPay offers three options:

    • View the file in Notepad
    • Email the file to the client
    • Upload to the state website

    Exporting Contribution Data

    The contribution export creates a file containing deduction amounts for each enrolled employee.

    1. From the Payroll Main Menu, click the Employer toolbar button.
    2. From the Exports popup menu, select MD Saves.
    3. Select Export Contributions.
    4. ProPay generates the contribution file from the detail deductions records and displays it.

    The same post-export options (view, email, upload) are available.

    Tips and Warnings

    > Tip: Export and submit contribution data after each payroll run to keep the MdSaves program current with your client's payroll schedule.

    > Warning: The MD Saves menu option only appears for clients with a Maryland state code. If you do not see this option, verify the client's state is set to MD in Employer Setup.

    > Note: ProPay uses the same export engine for CalSavers (CA), MdSaves (MD), CT Savings (CT), and Ascensus format exports (CA, IL, OR). The setup and workflow are similar across all state retirement programs.

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