We are a full service consulting and administration firm. We ensure that the needs of the employer and employee will be met.
If you would like to discuss how Integrated Pension Services can help you with your or your client's retirement plan, please contact us at (978) 847-0140 Ext. 820 or by email at Jason@integrated-pension.com.
We would be happy to provide you with a complimentary consultation regarding your plan design needs and our pricing.
Below we've compiled a list of the most frequented pages for our clients. Bookmark this page so that you have a quick point of reference.
| Type | 2026 | 2025 | 2024 | 2023 |
|---|---|---|---|---|
|
Contribution and Benefit Limits |
|
|
|
|
|
Elective Deferral Limit |
$24,500 |
$23,500 |
$23,000 |
$22,500 |
|
Catch-Up Contributions (age 50-59 & over 63) |
$8,000 |
$7,500 |
$7,500 |
$7,500 |
|
Catch-Up Contributions (age 60-63) |
$11,250 |
$11,250 |
—- |
—- |
|
Annual Contribution Limit |
$72,000 |
$70,000 |
$69,000 |
$66,000 |
|
Annual Contribution Limit including Catch-Up Contributions (age 50-59 & over 63) |
$80,000 |
$77,500 |
$76,500 |
$73,500 |
|
Annual Contribution Limit including Catch-Up Contributions (age 60-63) |
$82,250 |
$81,250 |
$76,500 |
$73,500 |
|
Annual Benefit Limit |
$290,000 |
$280,000 |
$275,000 |
$265,000 |
|
Compensation Limits |
||||
|
Maximum Plan Compensation |
$360,000 |
$350,000 |
$345,000 |
$330,000 |
|
Income Subject to Social Security |
$184,500 |
$176,100 |
$160,600 |
$160,200 |
|
Key EE Compensation Threshold |
$235,000 |
$230,000 |
$220,000 |
$215,000 |
|
Highly Compensated EE Threshold |
$160,000 |
$160,000 |
$155,000 |
$150,000 |
|
Roth Catch Up FICA Wage Threshold for HPI’s (Highly Paid Individuals) |
TBD |
$150,000 |
—- |
—- |
|
IRA Limits |
||||
|
SIMPLE Plan Elective Deferrals |
$17,000 |
$16,500 |
$16,000 |
$15,500 |
|
SIMPLE Catch-Up Contributions |
$4,000 |
$3,500 |
$3,500 |
$3,500 |
|
Individual Retirement Account (IRA) |
$7,500 |
$7,000 |
$7,000 |
$6,500 |
|
IRA Catch-Up Contribution |
$1,100 |
$1,000 |
$1,000 |
$1,000 |
We are committed to providing these services in an accurate and cost-effective manner.
Our benefit professionals are dedicated to helping employers implement retirement plans that promote corporate goals and objectives, control costs and give employees a sense of security.
We are committed to providing these services in an accurate and cost-effective manner.
Our benefit professionals are dedicated to helping employers implement retirement plans that promote corporate goals and objectives, control costs and give employees a sense of security.