Announcements

January 11, 2026

Get ready for new catch-up contribution rules

As your retirement plan recordkeeper, we want to ensure you are prepared for an important regulatory change that took effect January 1, 2026, under the SECURE 2.0 Act.

What changed?
As of January 1, 2026, participants age 50 and older who earned more than $150,000 (indexed annually for inflation) in Social Security (FICA) wages (Form W-2 Box 3) in the prior calendar year must make catch-up contributions as after-tax Roth contributions.

Click below for important information about what we are doing to administer the new rule, including updating participant forms based on recently published IRS final regulations, as well as action items you need to take, including: 

  • Engage with your payroll provider
  • Communicate the change to existing participants (sample notice included)
  • Indicate which participants are subject to the requirement on the plan sponsor website
     

REVIEW IMPORTANT INFORMATION

For more information about the new requirement, contact your Retirement Plan Coordinator at (877) 872-5159. Thank you for your attention to this important matter and the opportunity to serve you.

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