IRS Announces Increased Retirement Plan Limits for 2025

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href="https://www.risk-strategies.com/industries/healthcare/property-and-casualty"> Property & Casualty - Healthcare </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/healthcare/reinsurance"> Reinsurance </a> </li> </ul> </div> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <a href="https://www.risk-strategies.com/industries/law-firms"> Law Firms </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <button class="mobile-menu__panel-btn mobile-menu__tier-2-panel-btn" data-level="2"> Marine & Yacht </button> <div class="mobile-menu__subpanel"> <button class="mobile-menu__back-btn mobile-menu__tier-2-back-btn" data-level="1"> Back to Marine & Yacht </button> <div class="mobile-menu__subpanel-intro mobile-menu__subpanel-intro--depth-2"> <div class="mobile-menu__intro-title"> <a href="https://www.risk-strategies.com/industries/marine-yacht/"> Marine & Yacht </a> </div> </div> <ul class="mobile-menu__subbpanel-menu"> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/marine-yacht/individuals"> Boat & Yacht For Individuals </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <button class="mobile-menu__panel-btn mobile-menu__tier-3-panel-btn" data-level="3"> Commercial & Recreational Marine Businesses </button> <div class="mobile-menu__subpanel"> <button class="mobile-menu__back-btn mobile-menu__tier-3-back-btn" data-level="2"> Back to Commercial & Recreational Marine Businesses </button> <div> <div class="mobile-menu__intro-title"> <a class="h4" href="https://www.risk-strategies.com/industries/marine-yacht/commercial" style="text-decoration: none; margin: 5px 0 0"> Commercial & Recreational Marine Businesses </a> </div> </div> <ul class="mobile-menu__subpanel-menu"> <li class=""> <a href="https://www.risk-strategies.com/industries/marine-yacht/marine-businesses"> Marine Businesses 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data-level="1"> Back to Private Equity </button> <div class="mobile-menu__subpanel-intro mobile-menu__subpanel-intro--depth-2"> <div class="mobile-menu__intro-title"> <a href="https://www.risk-strategies.com/industries/private-equity"> Private Equity </a> </div> </div> <ul class="mobile-menu__subbpanel-menu"> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/industries/private-equity/crypto-companies"> Crypto Companies </a> </li> </ul> </div> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <button class="mobile-menu__panel-btn mobile-menu__tier-2-panel-btn" data-level="2"> Public Sector </button> <div class="mobile-menu__subpanel"> <button class="mobile-menu__back-btn mobile-menu__tier-2-back-btn" data-level="1"> Back to Public Sector </button> <div class="mobile-menu__subpanel-intro mobile-menu__subpanel-intro--depth-2"> <div class="mobile-menu__intro-title"> <a 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href="https://www.risk-strategies.com/industries/wineries-vineyards"> Wineries </a> </li> </ul> <div class="mobile-menu__additional-links"> </div> </div> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-1"> <button class="mobile-menu__panel-btn mobile-menu__tier-1-panel-btn" data-level="1"> Solutions </button> <div class="mobile-menu__subpanel"> <div class="mobile-menu__subpanel-intro mobile-menu__subpanel-intro--depth-1"> <button class="mobile-menu__back-btn mobile-menu__tier-1-back-btn" data-level="0"> Back to Main </button> <div class="mobile-menu__intro-title"> <a href="https://www.risk-strategies.com/solutions"> Solutions </a> </div> </div> <ul class="mobile-menu__subbpanel-menu"> <li class="mobile-menu__panel mobile-menu__panel--depth-2"> <button class="mobile-menu__panel-btn mobile-menu__tier-2-panel-btn" data-level="2"> Business Insurance </button> <div class="mobile-menu__subpanel"> <button class="mobile-menu__back-btn mobile-menu__tier-2-back-btn" data-level="1"> Back to Business Insurance </button> <div class="mobile-menu__subpanel-intro mobile-menu__subpanel-intro--depth-2"> <div class="mobile-menu__intro-title"> <a href="https://www.risk-strategies.com/business-insurance/"> Business Insurance </a> </div> </div> <ul class="mobile-menu__subbpanel-menu"> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <a href="https://www.risk-strategies.com/business-insurance/captives"> Captives </a> </li> <li class="mobile-menu__panel mobile-menu__panel--depth-3"> <button class="mobile-menu__panel-btn mobile-menu__tier-3-panel-btn" data-level="3"> Casualty </button> <div class="mobile-menu__subpanel"> <button class="mobile-menu__back-btn mobile-menu__tier-3-back-btn" data-level="2"> Back to Casualty </button> <div> <div class="mobile-menu__intro-title"> <a class="h4" href="https://www.risk-strategies.com/business-insurance/casualty" style="text-decoration: none; margin: 5px 0 0"> Casualty </a> </div> </div> <ul class="mobile-menu__subpanel-menu"> 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.55-.27.55-.61V.62c0-.17-.05-.32-.16-.44zm0 0" /> </svg> </a> </li> </ul> </div> <div class="blog-post__content-inner"> <style type="text/css"> .blog-post__body img[src*="Retirement%20services%20%281%29.jpg"] { display: none; visibility: hidden; } </style> <div class="blog-post__body"> <span id="hs_cos_wrapper_post_body" class="hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_rich_text" style="" data-hs-cos-general-type="meta_field" data-hs-cos-type="rich_text"><p>On November 1, 2024, the Internal Revenue Service (IRS) announced in <a href="https://www.irs.gov/pub/irs-drop/n-24-80.pdf" class="external-link" data-is-whitelisted="false">IRS Notice 2024-80</a> cost-of-living adjustments to the applicable dollar limits for retirement plans for 2025.</p>  <p>The table below compares the applicable dollar limits for retirement plans for 2025 and 2024.</p> <p>Employers are encouraged to work with their retirement plan recordkeepers and payroll providers to update these limits in applicable systems for <strong>January 1, 2025</strong>.</p> <table cellspacing="0" width="90%" style="border-width: 1px; border-style: solid;"> <tbody> <tr bgcolor="#141B4D"> <td style="padding: 10px; border-width: 1px; border-style: solid;"> <p style="color: #fff; margin-bottom: 0px; font-size: 18px;"><strong>Retirement Plan Limits</strong></p> </td> <td style="padding: 10px; border-width: 1px; border-style: solid;" align="center"> <p style="color: #fff; margin-bottom: 0px; font-size: 18px;"><strong>2025</strong></p> </td> <td style="padding: 10px; border-width: 1px; border-style: solid;" align="center"> <p style="color: #fff; margin-bottom: 0px; font-size: 18px;"><strong>2024</strong></p> </td> <td style="padding: 10px; border-width: 1px; border-style: solid;" align="center"> <p style="color: #fff; margin-bottom: 0px; font-size: 18px;"><strong>Change from 2024</strong></p> </td> </tr> <tr bgcolor="#EEEEEE"> <td style="padding: 10px; border-width: 1px; border-style: solid;" valign="top"> <p style="margin-bottom: 0px; font-size: 18px;">Section 401(k) / 403(b) / 457(b)(2) Plans maximum elective deferrals</p> </td> <td style="padding: 10px; border-width: 1px; border-style: solid;" align="center" valign="top"> <p style="margin-bottom: 0px; font-size: 18px;">$23,500</p> </td> <td style="padding: 10px; border-width: 1px; border-style: solid;" align="center" valign="top"> <p style="margin-bottom: 0px; font-size: 18px;">$23,000</p> </td> <td style="padding: 10px; border-width: 1px; border-style: solid;" align="center" valign="top"> <p style="margin-bottom: 0px; font-size: 18px;">+$500</p> </td> </tr> <tr bgcolor="#FFFFFF"> <td style="padding: 10px; border-width: 1px; border-style: solid;" valign="top"> <p style="font-size: 18px;">Section 401(k) / 403(b) / 457(b)(2) Plans catch-up contribution limit*</p> <p style="margin-bottom: 0px; font-size: 14px;">* For 2025, retirement plan participants age 50 and older may contribute up to $31,000.</p> </td> <td style="padding: 10px; border-width: 1px; border-style: solid;" align="center" valign="top"> <p style="margin-bottom: 0px; font-size: 18px;">$7,500</p> </td> <td style="padding: 10px; border-width: 1px; border-style: solid;" align="center" valign="top"> <p style="margin-bottom: 0px; font-size: 18px;">$7,500</p> </td> <td style="padding: 10px; border-width: 1px; border-style: solid;" align="center" valign="top"> <p style="margin-bottom: 0px; font-size: 18px;">No change</p> </td> </tr> <tr bgcolor="#EEEEEE"> <td style="padding: 10px; border-width: 1px; border-style: solid;" valign="top"> <p style="font-size: 18px;">Section 401(k) / 403(b) / 457(b)(2) Plans: A higher catch-up contribution limit* applies for employees aged <strong>60, 61, 62, and 63</strong> who participate in these plans.</p> <p style="margin-bottom: 0px; font-size: 14px;">* For 2025, retirement plan participants age 60,61,62, and 63 may contribute up to $34,750.</p> </td> <td style="padding: 10px; border-width: 1px; border-style: solid;" align="center" valign="top"> <p style="margin-bottom: 0px; font-size: 18px;">$11,250</p> </td> <td style="padding: 10px; border-width: 1px; border-style: solid;" align="center" valign="top"> <p style="margin-bottom: 0px; font-size: 18px;">N/A</p> </td> <td style="padding: 10px; border-width: 1px; border-style: solid;" align="center" valign="top"> <p style="margin-bottom: 0px; font-size: 18px;">N/A</p> </td> </tr> <tr bgcolor="#FFFFFF"> <td style="padding: 10px; border-width: 1px; border-style: solid;" valign="top"> <p style="margin-bottom: 0px; font-size: 18px;">Section 415(c)(1)(A) Defined contribution annual additions limit</p> </td> <td style="padding: 10px; border-width: 1px; border-style: solid;" align="center" valign="top"> <p style="margin-bottom: 0px; font-size: 18px;">$70,000</p> </td> <td style="padding: 10px; border-width: 1px; border-style: solid;" align="center" valign="top"> <p style="margin-bottom: 0px; font-size: 18px;">$69,000</p> </td> <td style="padding: 10px; border-width: 1px; border-style: solid;" align="center" valign="top"> <p style="margin-bottom: 0px; font-size: 18px;">+1,000</p> </td> </tr> <tr bgcolor="#EEEEEE"> <td style="padding: 10px; border-width: 1px; border-style: solid;" valign="top"> <p style="margin-bottom: 0px; font-size: 18px;">Section 414(q)(1)(B)<br>Highly compensated employee</p> </td> <td style="padding: 10px; border-width: 1px; border-style: solid;" align="center" valign="top"> <p style="margin-bottom: 0px; font-size: 18px;">$160,000</p> </td> <td style="padding: 10px; border-width: 1px; border-style: solid;" align="center" valign="top"> <p style="margin-bottom: 0px; font-size: 18px;">$155,000</p> </td> <td style="padding: 10px; border-width: 1px; border-style: solid;" align="center" valign="top"> <p style="margin-bottom: 0px; font-size: 18px;">+$5,000</p> </td> </tr> <tr bgcolor="#FFFFFF"> <td style="padding: 10px; border-width: 1px; border-style: solid;" valign="top"> <p style="margin-bottom: 0px; font-size: 18px;">Section 416(i)(A)(i)<br>“Key employee” in a top-heavy plan</p> </td> <td style="padding: 10px; border-width: 1px; border-style: solid;" align="center" valign="top"> <p style="margin-bottom: 0px; font-size: 18px;">$230,000</p> </td> <td style="padding: 10px; border-width: 1px; border-style: solid;" align="center" valign="top"> <p style="margin-bottom: 0px; font-size: 18px;">$220,000</p> </td> <td style="padding: 10px; border-width: 1px; border-style: solid;" align="center" valign="top"> <p style="margin-bottom: 0px; font-size: 18px;">+$10,000</p> </td> </tr> <tr bgcolor="#EEEEEE"> <td style="padding: 10px; border-width: 1px; border-style: solid;" valign="top"> <p style="margin-bottom: 0px; font-size: 18px;">Section 401(a)(17)<br>Annual compensation limit</p> </td> <td style="padding: 10px; border-width: 1px; border-style: solid;" align="center" valign="top"> <p style="margin-bottom: 0px; font-size: 18px;">$350,000</p> </td> <td style="padding: 10px; border-width: 1px; border-style: solid;" align="center" valign="top"> <p style="margin-bottom: 0px; font-size: 18px;">$345,000</p> </td> <td style="padding: 10px; border-width: 1px; border-style: solid;" align="center" valign="top"> <p style="margin-bottom: 0px; font-size: 18px;">+$5,000</p> </td> </tr> <tr bgcolor="#FFFFFF"> <td style="padding: 10px; border-width: 1px; border-style: solid;" valign="top"> <p style="margin-bottom: 0px; font-size: 18px;">Section 408(p)(2)(E)<br>SIMPLE 401(k) Plans</p> </td> <td style="padding: 10px; border-width: 1px; border-style: solid;" align="center" valign="top"> <p style="margin-bottom: 0px; font-size: 18px;">$16,500</p> </td> <td style="padding: 10px; border-width: 1px; border-style: solid;" align="center" valign="top"> <p style="margin-bottom: 0px; font-size: 18px;">$16,000</p> </td> <td style="padding: 10px; border-width: 1px; border-style: solid;" align="center" valign="top"> <p style="margin-bottom: 0px; font-size: 18px;">+$500</p> </td> </tr> </tbody> </table> <p style="padding-top: 30px;">For more information on the landmark retirement plan legislation known as “Secure 2.0,” enacted in late 2022, click <a href="https://www.risk-strategies.com/blog/secure-2.0-twelve-key-provisions-for-retirement-plan-sponsors-to-know-now" class="whitelisted">here</a>, <a href="https://www.risk-strategies.com/blog/secure-2.0-what-small-employers-need-to-know" class="whitelisted">here</a>, and <a href="https://www.risk-strategies.com/blog/irs-transition-relief-for-secure-2.0-roth-catch-up-rule" class="whitelisted">here</a>.</p> <p>Risk Strategies is here to help. Contact us directly at <a href="mailto:benefits@risk-strategies.com">benefits@risk-strategies.com</a>.</p></span> </div> <div id="hs_cos_wrapper_disclaimer" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"> <div class="blog-post-disclaimer module module--padding-top-xxs module--padding-bottom-none module--bg-transparent"> <div class="module__inner constrain"> <div class="module__section-main module__section-main--block-align-center"> <div class="module__content module__content--text-align-left constrain--12"> <p class="small">The contents of this article are for general informational purposes only and Risk Strategies Company makes no representation or warranty of any kind, express or implied, regarding the accuracy or completeness of any information contained herein. 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IRS Announces Increased Retirement Plan Limits for 2025