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Contribution Limits

Employee Benefits News and Advice

Learn something new when you subscribe to our e-News, e-invitation to events and training, interesting blog articles, and COBRA and Mineral® HR updates.

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November 5, 2024

In 2025, several of the Cafeteria Plan and Retirement Plan annual limits are increasing. Check out the new limits below!

Annual Limits
2024
2025
401(k), 403(b), 457 Deferral $23,000 $23,500
401(k), 403(b), 457 “Catch-Up”  $7,500 $7,500
401(k), 403(b), 457 “Catch-Up”
Limit Age 60-63
$11,250
415 Defined Contribution Plan* $69,000 $70,000
Earners making $145,000 or more are required to have any catch-up contribution to a Roth account in 2026.
415 Defined Annual Compensation* $345,000 $350,000
IRA Contribution $7,000 $7,000
IRA “Catch-Up” $1,000 $1,000
SIMPLE 401(k) $16,000 $16,500
SIMPLE “Catch-Up”  $3,500 $3,500
SIMPLE “Catch-Up” Age 60-63 $5,250
Social Security Wage Base $168,600 $176,100
Health Flexible Spending Arrangement $3,200 $3,300
Carryover Amount for Health FSAs $640 $660
Daycare $5,000 $5,000
HSA “Catch-Up” $1,000 $1,000
HSA Single Contribution $4,150 $4,300
HSA Family Contribution $8,300 $8,550
QSEHRA Self-Only Coverage $6,150 $6,350
QSEHRA Family Coverage $12,450 $12,800
EBHRA $2,100 $2,150

*Limit is prorated for short plan year

Mileage Reimbursement (flex)  $0.21/mile as of 1/1/2024

Mileage for Reimbursement for Business $0.67/mile as of 1/1/2024

Questions? Contact one of our Third Party Administrators.

Filed Under: 401(k) Plans, 403(b) Plans, Flex Plans, General, Health Flexible Spending Accounts, Health Reimbursement Arrangements, Health Savings Account Plans, Homepage Featured, News & Insights, One Stop Shop, QSEHRAs, Resources, Retirement Plans Tagged With: Tool

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