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March 18th, 2025
Information & Insights for the 403(b) Community
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2025 Service Stars Named
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The PLANSPONSOR Service Star Awards program recognizes the retirement plan account representatives and relationship managers who, according to their plan sponsor clients, have demonstrated exemplary service. 
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Ask the Experts
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Are Separate Deferrals Needed for Regular Contributions and Roth Catch-Ups?
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Q: I am confused about the new mandatory Roth catch-up rules for participants who make more than $145,000 in FICA wages and would like clarity. It sounds like the rule requires a participant to select catch-up contributions separate from the regular deferral, meaning that, in 2026, deferrals would go into both the pre-tax account and Roth account, starting at the beginning of the year. Then, if the regular deferrals do not meet the annual limit, a correction will need to be made. That would be a nightmare for taxes, and I hope I am misunderstanding.
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PLANSPONSOR Roadmap: Health Plan Fiduciary Duties
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Join PLANSPONSOR for a livestream series in April, during which plan sponsors and advisers will gain education and resources from experts about Consolidated Appropriations Act provisions and optimal ways to implement them, as well as learn how to apply a fiduciary process to health benefit plans.
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