Get the latest updates for your company’s retirement plan.
SIMPLE IRA Plus
Coming soon! SIMPLE IRA Plus mobile app
A new mobile app for plan participants is coming soon. Participants will be able to enroll in a SIMPLE IRA Plus plan right from their phone or tablet and view and manage their own account.
Full online enrollment for SIMPLE IRA Plus is on the way!
When full online enrollment goes live, plan sponsors will no longer need to input participants’ investment elections on the plan’s website. Plan participants will now be able to enroll and manage their contribution rates online, without the need for a paper form. Look for more details on this new enhancement later this year.
Help participants save more with new interactive tools
With ICanRetire®, our digital participant engagement program, participants can take advantage of the Action Plan, an enhanced interactive tool that converts engagement into clear, actionable next steps for participants. The tool personalizes responses based on each participant.
Integrated within the Action Plan, is the Matchmaker tool, which uses plan-specific details to show how small contribution increases can help participants capture their full employer match.
ICanRetire is available for participants on the SIMPLE IRA participant website.
Add a Roth IRA option to SIMPLE IRA Plus plans
Since the launch of employee Roth deferral capabilities for SIMPLE IRA Plus, many plans have enabled the Roth contributions IRA feature.
Talk to your financial advisor about the benefits of adding a Roth to your SIMPLE IRA Plus plan.
Name changes for American Funds Target Date Retirement Series® funds
We’ve updated the names of four of the vintages in the American Funds Target Date Retirement Series to reflect the funds’ focus on income after reaching the retirement target date. The change impacts the following funds:
• American Funds 2010 Target Date Retirement Fund® is now the American Funds 2010 Target Date Retirement Income Fund
• American Funds 2015 Target Date Retirement Fund® is now the American Funds 2015 Target Date Retirement Income Fund
• American Funds 2020 Target Date Retirement Fund® is now the American Funds 2020 Target Date Retirement Income Fund
• American Funds 2025 Target Date Retirement Fund® is now the American Funds 2025 Target Date Retirement Income Fund
The name change does not affect the investments in any other way, including the fund objectives, strategies, portfolios and management. Going forward, we will continue to add “Income” to the target date fund names after each fund’s target date is reached.
Review our Spanish-language resources for participants
Stay up to date on the Spanish-language services we offer to help participants. This overview sheet has a handy list of the many documents and other resources available, from enrollment books for eligible employees to live customer service, educational brochures and more.
Help participants enroll with a quick video
Our new enrollment video for SIMPLE IRA Plus walks participants through the enrollment process, from how to set their salary deferral to selecting investments. The video also highlights the benefits of enrollment to encourage participants to get started.
Higher contribution limits for 2026 released
The IRS recently released new contribution limits for 2026, raising the limits across most plan types.
The annual employee contribution limits for SIMPLE IRA plans for 2026 are as follows:
• For plans with 25 or fewer employees,* maximum employee contributions are $18,100 with additional catch-up contributions† (age 50 to 59 and 64+) of up to $3,850.
• For plans with 26+ employees,* maximum employee contributions are $17,000 with additional catch-up contributions† (age 50 to 59 and 64+) of up to $4,000. These plans can qualify for the higher employee contribution limit of $18,100 (and $3,850 catch-up) by making higher mandatory employer matching contributions of 4% of compensation or nonelective contributions of 3%.
• For employees aged 60 to 63 only, a higher catch-up contribution limit of $5,250** replaces the 50+ catch-up contribution limit.†
With the new contribution limits, you can help participants create a customized retirement savings plan by encouraging them to log in to the participant website and leverage our Retirement goals tool.
Footnotes/Important information:
*Employees who received $5,000 or more in compensation in the preceding calendar year.
† If allowed by the plan.
** The higher catch-up limit is only applicable to participants who attain ages 60, 61, 62 or 63 in 2026.
Help participants stay on track with their retirement goals
You can help plan participants create a customized retirement savings plan by encouraging them to log in to the participant website and leverage our new Retirement goals tool.
The Retirement goals tool will prompt participants to enter basic information about where they are today and the retirement they’d like to pursue. From there, the tool will show if they’re on track to reach their goals, signaling when adjustments may be needed.
Our website addresses have changed
We’ve updated our retirement plan website addresses as shown below. In doing so, we hope to make it easier to do business with us, and more clearly communicate who we are and the products and services we offer. Please be sure to update your bookmarks.
Website
New address
RecordkeeperDirect
Participant
capitalgroup.com/participant/rkd
Plan sponsor
capitalgroup.com/sponsor/rkd
Third-party administrator
capitalgroup.com/tpa/rkd
PlanPremier
Participant
capitalgroup.com/participant/planpremier
capitalgroup.com/participant/planpremier
Plan sponsor/PartnerLink — PlanPremier-Bundled
capitalgroup.com/sponsor/planpremier
capitalgroup.com/sponsor/planpremier
Plan sponsor/PartnerLink — PlanPremier TPA
capitalgroup.com/sponsor/planpremiertpa
capitalgroup.com/sponsor/planpremiertpa
SIMPLE IRA Plus
Participant
capitalgroup.com/participant/simpleiraplus
capitalgroup.com/participant/simpleiraplus
Plan sponsor
capitalgroup.com/sponsor/simpleiraplus
capitalgroup.com/sponsor/simpleiraplus