- For 2026, the IRS sets the maximum 401(k) employee contribution at $24,500 for those under 50, with an additional $8,000 catch-up contribution available for employees age 50 and older.
- The combined employee and employer contribution limit is $72,000 for participants under 50 and $80,000 for those 50 and older, including catch-up amounts.
- The 2026 highly compensated employee threshold remains at $160,000, while the annual compensation limit used for plan calculations rises to $360,000.
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