Understanding the

Super Catch-Up

As we continue supporting retirement plans, many of our clients and advisor partners have asked for clarification on the Super Catch-Up provision introduced under SECURE Act 2.0. The opportunity allows certain individuals to boost their retirement savings beyond the standard catch-up rules.

Below is a simple breakdown to help keep you and your clients informed:

Who's Eligible?

Individuals turning age 60, 61, 62, or 63 in 2025

What's the Difference?

For 2025, participants age 50+ can contribute an additional $7,500 on top of the $23,000 deferral limit.

For 2025, eligible participants (ages 60-63) can contribute $11,250 in catch-up contributions (an increase of $3,750).

What do Plan Sponsors need to do?

No plan amendment is required. Participants who qualify can adjust their contribution amount and submit the updated deferral to payroll.

Participants outside of the 60-63 age range will continue to follow the standard catch-up rules of $7,500.

At Trinity, we make complex pension concepts simple, and our seamless conversion process creates a smooth transition. Every client has access to a dedicated Relationship Management team to provide clear and consistent communication. Plus, our Trinity Pro and 3(16) Services offers the convenience and protection your business owner clients want.

With Trinity, every client's plan is tailored to truly fit their business needs and goals from service to plan design.