{"id":7217,"date":"2024-11-05T16:07:51","date_gmt":"2024-11-05T16:07:51","guid":{"rendered":"https:\/\/www.brightmine.com\/us\/?post_type=resources&#038;p=7217"},"modified":"2026-10-09T08:24:55","modified_gmt":"2026-10-09T13:24:55","slug":"2025-401k-maximum","status":"publish","type":"resources","link":"https:\/\/www.brightmine.com\/us\/resources\/total-rewards\/employee-benefits\/2025-401k-maximum\/","title":{"rendered":"2025 401(k) maximum going up to $23,500"},"content":{"rendered":"\n<div class=\"wp-block-group alignfull has-primary-white-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-f85887e8 wp-block-group-is-layout-constrained\" style=\"border-radius:25px;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-929090b5 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:70%\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-a4641b2f wp-block-group-is-layout-flex\" style=\"margin-top:0;margin-bottom:0\">\n<p class=\"wp-block-paragraph\">by <strong>Brightmine Editorial Team<\/strong><\/p>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">The Internal Revenue Service (IRS) has released the <a href=\"https:\/\/www.irs.gov\/pub\/irs-drop\/n-24-80.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">2025 cost-of-living adjustments (COLAs)<\/a> to <a href=\"https:\/\/www.brightmine.com\/us\/solutions\/reduce-compliance-risk\/\">limitations<\/a> on benefits and contributions to qualified retirement and deferred contribution plans. The following are some of the key amounts.<\/p>\n\n\n\n<h2 id=\"h-defined-contribution-plans\" class=\"wp-block-heading\">Defined Contribution Plans<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The maximum amount employees can contribute to their \u00a7 401(k) or \u00a7 403(b) plans next year increases by $500, to $23,500 (from $23,000). In addition:<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-brightmine-list-item-spacing-small\">\n<li class=\"\">The annual compensation limit for figuring contributions to defined contribution plans increases to $350,000 (from $345,000).<\/li>\n\n\n\n<li class=\"\">The limit on annual additions to defined contribution plans under \u00a7 415(c)(1)(A) increases to the lesser of 100% of participant compensation or $70,000 (from $69,000).<\/li>\n\n\n\n<li class=\"\">The catch-up contribution limit for most employees ages 50 and older who participate in a \u00a7 401(k) or \u00a7 403(b) plan remains $7,500.<\/li>\n\n\n\n<li class=\"\">A new higher catch-up contribution limit (under the SECURE 2.0 Act) for employees who participate in a \u00a7 401(k) or \u00a7 403(b) plan and attain age 60, 61, 62 or 63 in 2025 is $11,250.<\/li>\n\n\n\n<li class=\"\">The amount an employee must earn to participate in a simplified employee pension (SEP) plan remains $750 a year.<\/li>\n\n\n\n<li class=\"\">The amount an employee can contribute on a pre-tax basis into a SIMPLE retirement account increases to $16,500 (from $16,000).<\/li>\n\n\n\n<li class=\"\">The maximum catch-up contribution for an employee age 50 and older who participates in a SIMPLE retirement account or SIMPLE \u00a7 401(k) plan remains $3,500.<\/li>\n\n\n\n<li class=\"\">The salary amount used to define a key employee in a top-heavy plan increases to $230,000 (from $220,000).<\/li>\n\n\n\n<li class=\"\">The salary amount used to define a highly-compensated employee increases to $160,000 (from $155,000).<\/li>\n<\/ul>\n\n\n\n<h2 id=\"h-defined-benefit-plans\" class=\"wp-block-heading\">Defined Benefit Plans<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The following inflation adjustments relate to traditional pension plans and defined benefit plans:<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-brightmine-list-item-spacing-small\">\n<li class=\"\">The limit on the annual benefit under a defined benefit plan contained in \u00a7 415(b)(1)(A) increases to $280,000 (from $275,000).<\/li>\n\n\n\n<li class=\"\">The limitation under a defined benefit plan for a participant who separated from service before January 1, 2025, is computed by multiplying the participant&#8217;s compensation limitation, as adjusted through 2024, by 1.0262.<\/li>\n<\/ul>\n\n\n\n<h2 id=\"h-employee-stock-ownership-plans-esops\" class=\"wp-block-heading\">Employee Stock Ownership Plans (ESOPS)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The following inflation adjustments relate to employee stock ownership plans (ESOPs):<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-brightmine-list-item-spacing-small\">\n<li class=\"\">The dollar amount for determining the maximum account balance in an ESOP that is subject to a five-year distribution increases to $1,415,000 (from $1,380,000).<\/li>\n\n\n\n<li class=\"\">The dollar amount used to determine the lengthening of the five-year distribution period in an ESOP increases to $285,000 (from $275,000).<\/li>\n<\/ul>\n\n\n\n<h2 id=\"h-individual-retirement-accounts-iras\" class=\"wp-block-heading\">Individual Retirement Accounts (IRAs)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The following are some of the key 2025 amounts attributable to employee contributions to an individual retirement account (IRA), as well as the income limits related to these arrangements:<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-brightmine-list-item-spacing-small\">\n<li class=\"\">The maximum individual contribution to an IRA remains $7,000.<\/li>\n\n\n\n<li class=\"\">The maximum additional catch-up contribution for individuals ages 50 and older remains $1,000.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">For 2025, the compensation amounts defining a control employee increase to:<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-brightmine-list-item-spacing-small\">\n<li class=\"\">$130,000 (from $120,000) for a control employee who is a corporate board member or officer.<\/li>\n\n\n\n<li class=\"\">$265,000 (from $245,000) for a control employee who is not a corporate board member or officer.<\/li>\n<\/ul>\n\n\n\n<h2 id=\"h-compensation-limits\" class=\"wp-block-heading\">Compensation limits<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The compensation amounts defining a control employee for fringe benefit valuation purposes increase to:<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-brightmine-list-item-spacing-small\">\n<li class=\"\">$140,000 (from $135,000) for a control employee who is a corporate board member or officer.<\/li>\n\n\n\n<li class=\"\">$285,000 (from $275,000) for a control employee who is not a corporate board member or officer.<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column lnrs-hide-block-on-mobile is-layout-flow wp-block-column-is-layout-flow\" style=\"border-left-color:var(--wp--preset--color--secondary-gray);border-left-width:2px;padding-left:10px;flex-basis:30%\">\n<div class=\"wp-block-group 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health insurance exchanges under the Affordable Care Act and what it means for &#8230;<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\n\t\n<\/div>\n<\/section>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-primary-white-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-f1e3dc65 wp-block-group-is-layout-constrained\" style=\"border-radius:25px;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-container-core-group-is-layout-9f6a5453 wp-block-group-is-layout-constrained\" style=\"padding-right:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<h3 id=\"h-topics-on-this-page\" class=\"wp-block-heading\" 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This team has an unrivaled wealth of subject matter expertise, with an average of 15 years&#8217; experience. They also bring invaluable, diverse career experiences to the table\u2014the team includes seasoned employment law attorneys, former in-house counsel, SHRM certified professionals and career employment law editors.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In addition to managing the HR &amp; Compliance Center, the Editorial Team supports the content across the Brightmine product portfolio. The Team also supports Marketing Resource Center with breaking <a href=\"https:\/\/www.brightmine.com\/us\/category\/hr-news\/\">HR news<\/a>, <a href=\"https:\/\/www.brightmine.com\/us\/category\/c-and-i\/\">Commentary and Insights<\/a>, and expert review of key compliance resources, such as our free charts.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.linkedin.com\/company\/brightmine\/\" target=\"_blank\" rel=\"noreferrer noopener\">Follow Brightmine on LinkedIn<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>The Internal Revenue Service (IRS) has released the 2025 cost-of-living adjustments (COLAs) to limitations on benefits and contributions to qualified retirement and deferred contribution plans.<\/p>\n","protected":false},"author":24,"featured_media":7832,"comment_status":"closed","ping_status":"closed","template":"wp-custom-template-new-resources","categories":[55],"tags":[],"topic":[65,63],"class_list":["post-7217","resources","type-resources","status-publish","has-post-thumbnail","hentry","category-hr-news","topic-employee-benefits","topic-employment-law-updates"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.3 (Yoast SEO v28.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>2025 401(k) maximum going up to $23,500 | Brightmine<\/title>\n<meta name=\"description\" content=\"2025 401(k) maximums | Review IRS 2025 cost-of-living adjustments to limitations on benefits and contributions to qualified plans.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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