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Retirement Planning
Chapter 10: 403(b) & 457 Plans/FINAL 3-YEAR CATCH-UP
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Chapter 10: 403(b) & 457 Plans

FINAL 3-YEAR CATCH-UP

01.Core Concepts

• Three years prior to normal retirement age an employee may defer an additional $23,500 for 2025 to the 457 plan. • Limited to prior unused deferral amounts • Maximum contribution equals $47,000: $23,500 deferral contribution + $23,500 catch-up contribution (for 2025) • Cannot include 50 and over catch-up contribution when determining the final 3-year catch-up