RETIREMENT PLAN UPDATES The Bulletin

Get the latest updates for your company’s retirement plan.

SIMPLE IRA Plus

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.

DOWNLOAD PDF

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.

WATCH VIDEO

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.

HELP PARTICIPANTS LOG IN

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.

 

Get the latest SECURE 2.0 Act provisions updates

The SECURE 2.0 Act marked a significant step toward enabling more small business owners and employees to pursue retirement stability. Get the latest updates on our recordkeeping support to help you take advantage of key SECURE 2.0 provisions.

CHECK STATUS

Introducing the Save-o-meter on ICanRetire®

The Save-o-meter is a new tool available on the ICanRetire homepage that’s designed to help participants maximize their company match. Now, participants can better see if they’re leaving free money on the table.

We’ve also refreshed the existing planning calculator to include an option for employer matching. If matching isn’t available, participants can enter 0%.

Both tools are available on the ICanRetire homepage.  

CHECK IT OUT

ICanRetire for SIMPLE IRA Plus

Our fully automated, digital participant engagement program is now available for SIMPLE IRA Plus. ICanRetire® is designed to help participants take control of their financial future and add value for plan sponsors.

Eligible employees can benefit from targeted emails that encourage them to begin saving for retirement, increase contribution levels and more. They’ll also have access to a wealth of educational content that’s designed to be fun and approachable.

ICanRetire is research-backed and behavior-focused to help enhance employee engagement at no additional cost.

HELP IMPROVE OUTCOMES

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.

HELP PARTICIPANTS LOG IN

ACH distributions now available

For greater convenience and security, ACH distributions are now available for participant distributions.

Participants can elect payment by ACH and input their checking or savings account information within the online distribution request process on the participant website. Electronic bank verification is then conducted through a third-party service provider as a fraud prevention measure.

For more information about online distributions and other website features, refer to our participant website demo.

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

For help with your retirement plan, contact your financial professional or call us at:

call (800) 421-9900
Investments are not FDIC-insured, nor are they deposits of or guaranteed by a bank or any other entity, so they may lose value.
Investors should carefully consider investment objectives, risks, charges and expenses. This and other important information is contained in the prospectuses and summary prospectuses, which can be obtained from a financial professional and should be read carefully before investing.
All Capital Group trademarks mentioned are owned by The Capital Group Companies, Inc., an affiliated company or fund. All other company and product names mentioned are the property of their respective companies.
Use of this website is intended for U.S. residents only.
Capital Client Group, Inc.
This content, developed by Capital Group, home of American Funds, should not be used as a primary basis for investment decisions and is not intended to serve as impartial investment or fiduciary advice.