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Upcoming changes from the SECURE Act 2.0 may soon impact your plan, requiring some employees to make Roth-only catch-up contributions. By adding Roth now, you can prepare for these new requirements and offer participants a new, meaningful way to save for retirement.

What’s happening?

Section 603 of the SECURE Act 2.0 will take effect Jan. 1, 2026, requiring all age-based catch-up contributions from higher-income earners (those making $145,000 or more in FICA wages) to be Roth contributions.

What this means for your plan

Plans that don’t implement a Roth feature before Jan. 1 will no longer be 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

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.

If you ever need additional support, your Relationship Consultant is ready to help.
Adopt Roth in your plan today.
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Want to learn more about the Roth catch-up mandate?
Visit our SECURE Act 2.0 page for more details on the Section 603 provision.