11/25/2025
The IRS has released the 2026 Qualified Retirement Plan Limits and EJReynolds is here to help you stay compliant and informed.
These annual updates affect contribution strategies, testing requirements, and overall plan administration. Here are some of the key changes for 2026:
💼 Defined Contribution Annual Additions: $72,000
🏛️ Defined Benefit Maximum Annual Benefit: $290,000
💰 Annual Compensation Limit: $360,000
📊 401(k) Elective Deferral Limit: $24,500
🔹 Age 50+ Catch-Up: $8,000
🔹 Ages 60–63 Catch-Up: $11,250
📈 SIMPLE 401(k) / SIMPLE IRA Deferral Limit: $17,000
🔹 Age 50+ Catch-Up: $4,000
🔹 Ages 60–63 Catch-Up: $5,250
🏦 Social Security Wage Base: $184,500
For the complete breakdown of 2026 plan limits, access our reference sheet here 👉 https://bit.ly/485bITu
Our team supports plan sponsors, advisors, and participants in navigating these updates with confidence. If you have questions about how these changes may affect your plan, we’re ready to help.