Catch-Up Contributions

Thanks to enhancements under SECURE 2.0, catch-up contributions now provide even greater benefits for participants age 50 and older. The information on this page will provide you with some additional information about catch-up contributions for your Workplace Retirement Plan.

Are you eligible for catch-up contributions? And if so, how much?

Catch-up contributions are for participants age 50 or over. With SECURE 2.0 legislation, enhanced catch-up contributions were introduced for participants age 60 – 63. Review the chart below or the attached flyer to see how much you can contribute in 2026.

Roth Catch-Up Contributions

Another SECURE 2.0 legislative change: employees classified as Highly Paid Individuals (HPIs) must make catch-up contributions as Roth contributions. If your 2025 FICA wages were over $150,000, catch up contributions for 2026 must be made as Roth catch-up contributions. Review the attached flyer for additional information.

Catch-Up Contributions Quiz

This quick, confidential quiz will help you determine the total amount you can contribute to your Workplace Retirement Plan in 2026 - and whether your catch-up contributions must be made as Roth contributions.

Select the year you were born to determine if you are eligible for Catch-Up Contributions.

Please select your answer 1977 or later 1976 1975 1974 1973 1972 1971 1970 1969 1968 1967 1966 1965 1964 1963 1962 or earlier

Were your 2025 FICA wages over $150,000?

Yes

No

I'm not sure

None

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