The IRS has released the 2026 qualified retirement plan limits, and EJ Reynolds has compiled a comprehensive reference sheet to help plan sponsors, advisors, and administrators stay compliant and informed.
Key Highlights 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
– Catch-Up 50+: $8,000
– Catch-Up Ages 60–63: $11,250
• SIMPLE 401(k) / SIMPLE IRA Deferral Limit: $17,000
– Catch-Up 50+: $4,000
– Catch-Up Ages 60–63: $5,250
• Social Security Wage Base: $184,500
Click below to download the full 2026 Plan Limit Reference Sheet:
2026 Retirement Plan Limits
For assistance interpreting these updates or evaluating their impact on your plan, contact the EJ Reynolds team today.
