The industry has been abuzz with the new Roth catch-up rule, which takes effect in 2026. The main theme is that catch-up contributions for highly paid individuals (specifically, those with prior-year FICA wages north of $150,000) must be made with Roth dollars — not pre-tax dollars. An important, but lesser discussed topic is that an organization’s method for administering catch-up contributions can be consequential to following the rule. Let’s dive in…  Background  As a reminder, catch-up contributions in a 401(k) plan are employee deferrals above and beyond the standard limit specified in Internal Revenue Code, Section 402(g), which is $24,500 for 2026. For employees turning ages 50 to 59 or 64+ during the year, the catch-up limit is $8,000, which means a total of $32,500 can be saved....

With respiratory infections on the rise, it’s important for employers to mitigate or address illness among employees to help keep workers healthy and productive. This article highlights best practices for employers during the 2025-2026 respiratory season.  [Get the article here]   Questions?   If you have questions,  contact TruePlan . Our team of advisors can help you with questions within the scope of  employee benefits .    

On Sept. 30, President Trump announced an agreement with Pfizer to offer lower prices on its drugs sold to the Medicaid program and directly to consumers. This news brief explains the agreement further.  [Get the brief here]   Questions?   If you have questions,  contact TruePlan . Our team of advisors can help you with questions within the scope of  employee benefits .    

Welcome to the December edition of  Benefits Buzz ! In this issue, we dive into the latest topics related to employee benefits, wellness programs and ever-evolving workplace dynamics. Stay informed and gain insights that help you make the most of your benefits package.  This month's highlights  Topic #1:  IRS releases employee benefit plan limits for 2026.  Topic #2:  Federal agencies outline options for offering fertility benefits.  Download the full story  For an in-depth look at this month's topics, download the PDF below. Dive deeper into the advice and guidance that can help you leverage your organization’s benefits to their fullest potential. Don't miss out on valuable insights that could improve your professional and personal life.  [Download the Full Story PDF]      Stay informed, stay empowered and make the most of your benefits w...

The Internal Revenue Service (IRS) issued final instructions for Affordable Care Act (ACA) reporting under Internal Revenue Code Sections 6055 and 6056. The release follows the IRS’ earlier publication of the final reporting forms and draft instructions for the 2025 calendar year.  [Get the update]   Questions?   If you have questions,  contact TruePlan . Our team of advisors can help you with questions within the scope of  employee benefits .   

Healthcare costs have been growing at an alarming rate in recent years and they’re not slowing down. Surveys project that healthcare costs in the United States are likely to increase by 6.5% to, in many cases, over 10% in 2026. This article highlights key factors that will impact rising healthcare costs in 2026.  [Get the key factors]   Questions?   If you have questions,  contact TruePlan . Our team of advisors can help you with questions within the scope of  employee benefits .  

Welcome to the November edition of  Benefits Buzz ! In this issue, we dive into the latest topics related to employee benefits, wellness programs and ever-evolving workplace dynamics. Stay informed and gain insights that help you make the most of your benefits package.  This month's highlights  Topic #1:  IRS releases 2026 Health FSA  Topic #2:  IRS releases 2026 Qualified Transportation Limits  Download the full story  For an in-depth look at this month's topics, download the PDF below. Dive deeper into the advice and guidance that can help you leverage your organization’s benefits to their fullest potential. Don't miss out on valuable insights that could improve your professional and personal life.  [Download the Full Story PDF]   Stay informed, stay empowered and make the most of your benefits with Benefits Buzz! Be sure to...

Are you prepared?  On Oct. 8, New York officially launched the  New York Secure Choice Savings Program.  It’s a state-sponsored, automatic-enrollment Roth IRA program designed to expand retirement savings access for millions of private-sector employees. Participation will soon be mandatory for many employers without an existing workplace retirement plan.  Who needs to comply  Businesses that meet all the following criteria must register for the program and participate:  have 10 or more employees in New York during the previous calendar year;  have been in business for at least two years; and  do not currently offer a retirement plan.  Key deadlines  Employers will receive notice from the state with registration instructions, but 2026 deadlines will come quickly:  30+ employees: March 18  15 to 29 employees: May 15...