In the table below, we show the maximum cash balance plan contributions. Amounts noted for 401(k) and profit sharing might be limited as a result of IRS combination rules.
The cash balance plan contributions are estimates. Actual amounts will vary based on actuary review and specific client situation.
| Age | 401(k) deferral | 401(k) & Profit Sharing (1) | Cash Balance (2) | Total |
| 70 | $27,000 | $67,500 | $364,000 | $431,500 |
| 69 | $27,000 | $67,500 | $349,000 | $416,500 |
| 68 | $27,000 | $67,500 | $334,000 | $401,500 |
| 67 | $27,000 | $67,500 | $320,000 | $387,500 |
| 66 | $27,000 | $67,500 | $306,000 | $373,500 |
| 65 | $27,000 | $67,500 | $293,000 | $360,500 |
| 64 | $27,000 | $67,500 | $301,000 | $368,500 |
| 63 | $27,000 | $67,500 | $306,000 | $373,500 |
| 62 | $27,000 | $67,500 | $313,000 | $380,500 |
| 61 | $27,000 | $67,500 | $297,000 | $364,500 |
| 60 | $27,000 | $67,500 | $283,000 | $350,500 |
| 59 | $27,000 | $67,500 | $270,000 | $337,500 |
| 58 | $27,000 | $67,500 | $256,000 | $323,500 |
| 57 | $27,000 | $67,500 | $243,000 | $310,500 |
| 56 | $27,000 | $67,500 | $231,000 | $298,500 |
| 55 | $27,000 | $67,500 | $220,000 | $287,500 |
| 54 | $27,000 | $67,500 | $210,000 | $276,500 |
| 53 | $27,000 | $67,500 | $200,000 | $267,500 |
| 52 | $27,000 | $67,500 | $190,000 | $257,500 |
| 51 | $27,000 | $67,500 | $180,000 | $247,500 |
| 50 | $27,000 | $67,500 | $171,000 | $238,500 |
| 49 | $20,500 | $61,000 | $162,000 | $223,000 |
| 48 | $20,500 | $61,000 | $154,000 | $215,000 |
| 47 | $20,500 | $61,000 | $147,000 | $208,000 |
| 46 | $20,500 | $61,000 | $140,000 | $201,000 |
| 45 | $20,500 | $61,000 | $133,000 | $194,000 |
| 44 | $20,500 | $61,000 | $126,000 | $187,000 |
| 43 | $20,500 | $61,000 | $120,000 | $181,000 |
| 42 | $20,500 | $61,000 | $114,000 | $175,000 |
| 41 | $20,500 | $61,000 | $108,000 | $169,000 |
| 40 | $20,500 | $61,000 | $103,000 | $164,000 |
| 39 | $20,500 | $61,000 | $98,000 | $159,000 |
| 38 | $20,500 | $61,000 | $93,000 | $154,000 |
| 37 | $20,500 | $61,000 | $88,000 | $149,000 |
| 36 | $20,500 | $61,000 | $84,000 | $145,000 |
| 35 | $20,500 | $61,000 | $80,000 | $141,000 |
| 34 | $20,500 | $61,000 | $76,000 | $137,000 |
| 33 | $20,500 | $61,000 | $72,000 | $133,000 |
| 32 | $20,500 | $61,000 | $68,000 | $129,000 |
| 31 | $20,500 | $61,000 | $65,000 | $126,000 |
| 30 | $20,500 | $61,000 | $62,000 | $123,000 |
(1) The maximum contribution limits for the 401(k) profit sharing plan may be limited as a result of IRS plan combination rules. For plans that are not covered by the PBGC, employer contributions to a 401(k) and profit sharing plan may be reduced to the IRS limit of 6% of eligible compensation.
(2) Maximum cash balance plan contributions are based on IRS limits. Actual contributions can be lower depending on the client’s situation, IRS limitations and actuary review.
