Blog
October 28, 2025
SECURE Act 2.0: Are You Ready for 2026?
The SECURE Act 2.0 introduces sweeping changes that will reshape retirement plan administration in 2026. From mandatory auto-enrollment to Roth catch-up contributions, employers must prepare now to stay compliant and maximize the value of their plans. @Benefit Equity, a Strongpoint Partner, is helping clients understand what's ahead, how it affects their retirement plans, and what steps to take today to stay ahead of the curve.
Here are the key provisions taking effect in 2026:
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Mandatory Auto-Enrollment for New Plans: Most new 401(k) and similar plans must automatically enroll employees at a rate between 3% and 10%, with annual increases of at least 1%, until the rate reaches 10% (capped at 15%).
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Required Roth Catch-Up Contributions for High Earners: Employees aged 50 and older who earned more than $145,000 in the prior year must make catch-up contributions to Roth accounts using after-tax dollars.
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Expanded Eligibility for Part-Time Workers: Employees who work at least 500 hours in two consecutive years must be allowed to participate in the company's retirement plan.
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Plan Amendment Deadline: Employers must formally amend plan documents to reflect SECURE Act 2.0 provisions by December 31, 2026 (with extensions for certain plans).
These changes are required by the government. Employers who act early can streamline implementation, avoid penalties, and enhance employee productivity and loyalty.
Contact Benefit Equity today to get ahead of the SECURE Act 2.0 changes:
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Call us on 714-480-1364.
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Connect with us on the website.
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