Get answers to frequently asked questions

MERIT is a retirement savings program created for Maine's nearly 940,000 workers without access to employer-sponsored retirement savings plans. Here are answers to many of the common things we’ve been asked. If you have questions beyond these, we’re here to help.

Can I have a designated employee or payroll services provider complete the registration and enrollment process?

You can even invite a payroll representative to help you facilitate this process. Your payroll representative can be an admin, a teammate, or even your bookkeeper or payroll administrator. Simply add your payroll representatives as a teammate in your MERIT account to allow them to manage your employee list and process payroll if they do not require an integration.

The employer portal seamlessly integrates with many leading payroll providers. If you don’t currently use an external payroll provider, or if they’re not interested in an integration, the process to manually upload payroll contributions is quick and simple.

What if my payroll company won't help me administer MERIT?

You can still offer MERIT to your employees on your own with no complex administration — easily making it a part of your own payroll process.

What if my payroll provider is stating they will charge a fee for remitting contributions with MERIT?

Whether you use a payroll provider or not, MERIT does not charge a fee to remit contributions. If your payroll provider will charge you a fee for helping you facilitate the program, you can easily administer it on your own.