You May Need a Roth 401(k)/457(b) to Make Certain Catch-Up Contributions

If you're 50 or older and earned $150,000 or more in 2025, a new federal law change may affect how you make catch-up contributions to your retirement savings plans.

Starting in 2026, certain catch-up contributions can be made only on a Roth (after-tax) basis, instead of pre-tax. (This change only applies to additional catch-up contributions allowed for employees age 50 and older. Contributions up to the regular limits aren't affected.)

The change applies to you if:

1) You're age 50 or older at any point in 2026.

and

2) You earned $150,000 or more in FICA wages with your agency during the 2025 calendar year.

If this applies to you, make sure your employer's payroll reports your 2026 catch-up contributions to a URS Roth 401(k) and/or Roth 457(b). 

URS will begin offering these plans on March 30, 2026, but your employer must choose to adopt them. Check with your employer to confirm.

Enroll in the Roth 401(k) and 457(b) at myURS after our upgraded user experience launches on March 30, 2026.