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Secure 2.0 made changes to the rules about catch-up. By adding Roth options to your plan, you can offer participants a new, meaningful way to save for retirement.

What’s happening?

Section 603 of the SECURE Act 2.0 requires all age-based catch-up contributions from higher-income earners (those making $150,000 or more in FICA wages) to be Roth contributions. This threshold is indexed and may increase over time to reflect inflation.

What this means for your plan

Plans that haven’t implemented a Roth feature are no longer able to offer age-based catch-up contributions to these employees. Updating your plan now ensures that you remain compliant and unlocks a valuable retirement-savings tool for your participants.

Discover how simple it is to add Roth options

Our process for adopting Roth is straightforward and typically requires just a quick update to your plan documents. Once you’re set up, your online account provides a range of payroll resources to help you navigate this transition. Access our guide on setting up your payroll system after adopting Roth for plans that use FastPay and Task Center.

If you ever need additional support, your Relationship Consultant is ready to help.
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Want to learn more about the Roth catch-up mandate?
Visit our SECURE 2.0 Provision 603 page for more details on the updated rules.