IRS contribution limits: what’s changed for 2025?

On November 1^st, the IRS announced the retirement plan limits for 2025.

Sharing this information with clients is a great way to demonstrate how you keep them updated on regulatory developments. And we’ve made it easy for you with a flyer that summarizes both the 2024 and 2025 limits.

Key highlights

• The 401(k) and 403(b) maximum annual elective deferral limit has increased to $23,500.
• The annual defined contribution limit increased to $350,000.
• The annual defined benefit plan limit has increased to $280,000.

Participant touch point

You can also use the limit changes to reinforce your value with participants by illustrating the benefits of higher contribution rates. Check out this “ Save more” flyer to help initiate the conversation.

For the complete list of 2025 limits, visit the  IRS website.