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January 27, 2026
2026 Compliance Alert — Two Key April Deadlines Employers Need to Know
Compliance isn't a DIY project. A strong third-party administrator ensures every disclosure, filing, and communication is accurate, timely, and audit-ready. You can find the complete list of the 2026 compliance cycle here.
Don't miss these two key April deadlines employers must understand for 2026:
April 1 — Required Minimum Distributions (RMDs)
If you turn 73 in 2025, your first RMD is due by December 31, 2025, but may be delayed until April 1, 2026. If delayed, you must take a second RMD by December 31, 2026. After the first year, RMDs are due annually by December 31. Exceptions apply for certain active employees and business owners.
April 15 — Return of Excess Deferrals
Employers must return excess employee deferrals by April 15. For 2026, participants age 50+ may defer up to $24,500, with an additional $8,000 catch-up contribution, for a total of $32,500. Amounts exceeding applicable limits must be corrected to avoid taxation and reporting issues.
Reach out to our skilled retirement consultants soon to avoid scrambling to meet these regulations and deadlines at the last minute.
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