Blog Layout

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

Jennifer Risi • February 18, 2025

Primark Benefits is continually monitoring legislative updates. As such, we are sharing this reminder about the “super catch-up" contributions available under The SECURE 2.0 Act, in effect as of the start of 2025. 

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. 

Understanding ROTH Retirement Accounts: The Hidden Risks

March 19, 2025
The ROTH Retirement Account, named for Senator William Roth, was introduced as part of the Taxpayer Relief Act of 1997. The main feature of a ROTH account is that contributions are made with post-tax dollars as opposed to pre-tax; this means that any withdrawals, including earnings on the investments, are tax-free in retirement. This advantage can be particularly attractive for those individuals who anticipate being in a higher tax bracket later in life. However, this needs to be weighed against the uncertainty about whether and for how long this tax status will be truly protected. Can you safely invest in a ROTH account and really expect tax-free withdrawals ten, twenty, or thirty years down the line?

Best Practices for Retention of Retirement Plan Records

March 5, 2025
How Long Do I Need to Keep All of This Paperwork? Today, we’re going to share our position on what may seem to be a black-and-white (if not also mundane) retirement plan-related topic - that of record retention. It’s one that we’ve been asked about hundreds of times, and understandably so: For one thing, it involves a lot of files, whether hard copy or electronic. Also, the requirements and guidelines from various government agencies can often seem to conflict. Most importantly, though, it has gotten plenty of well-meaning plan sponsors into some hot water, both financially and legally. There have been numerous instances when it turned out the guidelines weren’t enough to protect employers from costly legal disputes. Read on to find out more. 

Automatic Enrollment for Long-Term Part-Time Employees under Secure 2.0

By Jennifer Risi • December 11, 2024
For most Americans, the primary source of retirement savings comes through workplace plans. Despite perceptions that others may save through brokerage accounts or insurance policies, statistics show workplace plans are the cornerstone of retirement security. Individuals are 15 times more likely to open and fund a 401(k) at work than to set up an IRA independently, with over 56% of American workers participating in a workplace retirement plan.[1] These plans provide a clear path toward financial stability in retirement and reduce reliance on Social Security alone.
More Posts
Share by: