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News

2025 Defined Contribution Plan Limits

 

Maximum employee elective deferral (401(k), 403b, most 457)


$23,500

 

Employee catch-up contribution (if age 50 or older by year-end)


$7,500

 

Employee catch-up contribution (if ages 60, 61, 62, or 63 by year-end) (replaces age 50 catch up limit)


$11,250


Defined contribution maximum limit, all sources (without catch up)


$70,000

 

Defined contribution maximum limit, all sources (with catch-up)


$77,500 (with age 50 catch up) or $81,250 (with age 60-63 catch up)


Employee compensation limit for calculating contributions


$350,000

 

Compensation threshold for "key employees" in a top-heavy plan for 2026 key status


$230,000

 

Compensation threshold for "highly compensated employees" (HCE threshold) for 2026 HCE status


$160,000

2025 Contribution Limits (pdf)

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Request A Quote

Download and complete one of the below forms and email to onboarding@retiresolutions.net or fax to 904-287-2745 to request a quote.

RSS Retirement Plan Basic Information Sheet - Owner Only (pdf)Download
RSS Retirement Plan Basic Information Sheet - Startup (pdf)Download
RSS Retirement Plan Basic Information Sheet - conversion (pdf)Download

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