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Retirement Plan Deferral Limits


IRS Issues Pension Plan Limitations for 2010

The Internal Revenue Service (IRS) announced cost-of-living adjustments for pension plans for the 2010 tax year. For the most part, dollar limitations on benefits and contributions under qualified retirement plans will remain unchanged in 2010. 

  • Limitations affecting elective deferrals to Section 401(k) plans and to the Federal Government's Thrift Savings Plans will remain unchanged at $16,500.
  • Limitations on annual benefits under a defined benefit plan remains unchanged at $195,000; effective January 1, 2010.
  • Limitation for a defined contribution plan remains at $49,000.
  • Dollar limitation concerning definition of key employee in a top-heavy plan remains unchanged at $160,000.
  • Dollar limitation used in the definition of a highly compensated employee remains at $100,000.
  • Deferral limitations under Section 457(e)(15) deferred compensation plans of state and local governments and tax-exempt organizations remain at $16,500.

Click here to download Maximum Benefit and Contribution Limits 2000-2009



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- Bill Reissfelder, Senior VP and CEO
Boston Celtics