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A new Fast Fact from the Public Retirement Research Lab (PRRL) examines how SECURE 2.0’s updated catch-up contribution rules will affect public-sector retirement plans. Beginning in 2026, participants earning more than $150,000 will be required to make catch-up contributions on a Roth basis. Using 2023 data from more than 900,000 public-sector DC plan participants, the analysis finds that while catch-up contributions are used by a relatively small share of participants, many plans will be impacted—particularly those with higher-earning employees. The findings underscore the importance of evaluating plan readiness for Roth contributions ahead of the SECURE 2.0 implementation deadline.
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- 95.06 KB File Size
- January 22, 2026 Create Date
- January 21, 2026 Last Updated
