Super Catch-Up Contributions under Secure 2.0: Enhanced Retirement Savings Opportunities

The SECURE 2.0 Act has significantly altered retirement savings regulations. Among its many changes, the Act has: 

• Increased the Required Minimum Distribution (RMD) age,
• Expanded access to 401(k) plans for Long-Term Part-Time workers,
• Enhanced catch-up contributions for certain older adults. 

Traditionally, Congress has set participant deferral limits for retirement savings plans such as 401(k), 403(b), and other employer-sponsored plans. For 2025, the standard deferral limit is $23,500. 

Individuals aged 50 and older have been allowed even more, additional catch-up contributions to enhance their retirement savings. In 2025, eligible individuals can contribute an extra $7,500, bringing the total contribution limit for individuals aged 50 and older to $31,000. 

“Super Catch-Up" Provision 

To further encourage retirement savings, Congress introduced an enhanced, or "super catch-up", provision under Secure 2.0, for individuals 60-63 years old. That limit is the greater of: 

• $10,000, or
• 150% of the standard age 50+ catch-up contribution limit. 

For 2025, the IRS has set the age 50+ catch-up limit at $7,500. Therefore, for 2025, individuals aged 60 through 63 will be eligible to contribute an extra $11,250 annually, bringing the total contribution limit for those individuals to $34,750. 

The introduction of super catch-up contributions under the SECURE 2.0 Act provides an excellent opportunity for older workers to boost their retirement savings. By allowing individuals aged 60-63 to contribute significantly more than their younger counterparts, these provisions help maximize tax-advantaged retirement funds. 

Primark Benefits is continually monitoring legislative updates and has a page on our website dedicated to the changes being implemented annually from Secure 2.0.