2018-2019 Contribution Rates Are Now Available

The final 2018 – 2019 rate tables are now available to view in The URS Newsroom and on the Contribution Reporting Rates section of the URS website.


Due to legislation passed in the 2018 general session, contribution rates for July 1, 2018 – July 30, 2019 increased 0.03% to 0.14% for some public safety and firefighter funds.


If you have questions about the rate tables, please contact your Employer Support Representative at 801-366-7318 or 800-753-7318.

URS Employer Event: March 28, 2018

Register now for the annual URS Employer Event on March 28, 2018, at the Little America Hotel in Salt Lake City.

It’s a packed agenda covering the latest topics in retirement, healthcare, and employee benefits. Speakers are scheduled for 9 a.m. to 1:50 p.m., with a continental breakfast at 8 a.m. Lunch will also be provided. If you can’t make it, we’ll be livestreaming the event on Facebook. Like URS or PEHP Health & Benefits to find it.

Register Now for Comprehensive Employer Training

Make certain to attend one of the Comprehensive Employer Training sessions coming your way in May.


This is a great opportunity to find out about all of the important developments in the retirement world that impact you and your employees, ranging from legislative updates to compliance matters to administrative hot topics to retirement planning insights and more!


All sessions are from 9 am to noon.


Please click on a link below to register for one of these sessions. We look forward to seeing you there!


May 1                   Logan

May 2                   Ogden

May 3                   Provo

May 7                   Salt Lake City

May 8                   St. George

May 9                   Richfield

May 10                 Moab

May 14                 Sandy

May 15                 Heber City

May 16                 Vernal

May 17                 Price     

Are You New? We Can Visit and Train You!

Are you new to your job? Are the challenges of understanding how to work with the retirement benefits overwhelming you?

We understand where you stand. Trying to understand the ins and outs of retirement administration can be overwhelming when you are new to your job. We want to help you succeed, so we are offering on-site visits to provide training for you on what you need to know and do!

Please call us at 800-753-7318 to arrange for a visit.

Contribution Limits and Coordination of Benefits

COORDINATION OF BENEFITS » There are limits to how much employers and employees can contribute to a savings plan each year. If you offer multiple defined contribution plans, track employer and employee contributions across plans, especially if you offer options not administered by URS. While our office notifies employees of any excess contributions made to URS Savings Plans, we are unable to monitor contributions made to plans outside of URS. As the employer, you are responsible to coordinate contributions across the different plans you offer. The most efficient and comprehensive way to monitor your employees’ contributions is at the payroll level.

Employees are responsible for consequences resulting from exceeding IRS limitations. Educating your employees on contribution limits and matches can help ensure they don’t contribute too much or too little. URS offers many educational tools that can help your employees make informed decisions about their benefits. Encourage them to research our publications and to take advantage of free seminars and individual retirement planning sessions.

LOAN MAXIMUMS » Also keep an eye on loan maximums. The IRS allows a maximum of 50% of the account balance (not to exceed $50,000 in a 12-month period) to be used for a loan. This is an aggregate limit that applies to any and all tax-deferred retirement plans (401(k), 401(a), 403(b), 457).

2018 Contribution Limits

Plan Maximum Employee Contributions

Employee Catch-up Contributions

(age 50+)

Employee Contribution Limit

(under age 50/   age 50+)

Employee and Employer Combined Contribution Limit

401(k) $18,500 $6,000 $18,500/$24,500 $55,000
457 $18,500 $6,000 $18,500/$24,500 $18,500/$24,500
Traditional IRA $5,500 $1,000 $5,500/$6,500 NA
Roth IRA $5,500 $1,000 $5,500/$6,500 NA

Exchange Employees

Exchange employees from outside the state are identified in statute as ineligible for URS retirement benefits. Board Resolution 2011-03 provides a definition of an exchange employee as, “…any employee whose primary employment is outside the state of Utah and who is employed by a participating employer for a fixed period of time with the intent at the time of hire of returning to the place of their primary employment and includes employees in this country on an exchange visa.”

The J-1 visa is designated as the “exchange visitor” visa. Employees with these visas meet the criteria to be classified as exchange employees and are ineligible for URS retirement benefits. You, the participating employer, will need to determine if other visas allow for employees to meet the exchange employee criteria, as provided in the Board Resolution.

If an employee changes visas from one that meets the exchange employee criteria to one that does not, and if the employee meets the other criteria for retirement eligibility (sufficient hours worked and a qualifying benefit), you will need to recertify the employee as eligible for retirement benefits.


URS Employer Line:
801-366-7318 or 800-753-7318

Find Your Advisor

Use this map to find the Retirement Planning Advisor assigned to you.

Get the Inside Story

Check out the latest URS employer newsletter. See Employer Publications