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401k Contribution Limit for 2011: Unchanged From 2010

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On October 28, 2010, the IRS announced 401k Contribution Limits for 2011 for participant elective deferrals and catch-up contributions (age 50 and over).  In short, retirement plan contribution limits are unchanged from 2010 due to low inflation over the last year.

401k Contribution Limits 2011 2010
401k Participant Elective Deferrals $16,500 $16,500
Annual Defined Contribution Limit $49,500 $49,500
Annual Compensation Limit $245,000 $245,000
Catch-Up Contribution Limit (50+) $5,500 $5,500
Higher Compensated Employee Defintion $110,000 $110,000
Social Security Wage Base $106,800 $106,800

Highly-Compensated Employees may be restricted to lower contribution limits (varies by individual 401k plans).   For more information about retirement plan limits, please contact us at 415-677-9300.

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About Peter Philipp, CFA, CFP®

Peter Philipp specializes in employee benefits and investment management for businesses and individuals. In 1993, he helped launch the world’s first target-date funds, a concept which has become the cornerstone of today’s 401(k) plans. Peter holds both the Chartered Financial Analyst designation and the CERTIFIED FINANCIAL PLANNER™ certification, an elite distinction since less than half of 1% of all financial advisors are “dually‐certified.”


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