SECURE 2.0 Act Participant Resources
Available resources for Participants
Our participant communication strategy is focused on providing a tailored approach on key provisions and balancing education needs with timely, actionable experiences.
For an overview of the key provisions and practical considerations, please refer to the SECURE 2.0 Act Guide for Plan Sponsors.
For more information on the latest SECURE 2.0 changes, please visit the SECURE 2.0 ACT of 2022 page.
This page will be updated as new governmental guidance is issued that impacts participant communications.
 |
Participant Communication Overview
Provides a high-level summary of how we are communicating with your employees on various mandatory and optional provisions. |
 |
Increase to RMD Age
Beginning in 2023, age-based, triggered communications have been updated to address the age increases. |
|
Adding a Roth source account
Participants aged 50+ with wages over $145,000 in the previous calendar year must make catch-up contributions on a Roth basis. With the effective date being pushed to January 2026, plan sponsors can decide when to add a Roth option.
|
|
Long-Term Part-Time (LTPT)
Beginning January 1, 2024, eligible long-term part-time employees can enroll and contribute to their 401(k) plan Updates to new eligibility rules will be reflected on plan information and highlights. |
|
In-Plan Emergency Savings Accounts
For plan years beginning in 2024, employers will have the option to offer their employees’ pension-linked emergency savings, but it is not available at this time. Fidelity has decided to provide an out-of-plan solution, Fidelity Goal BoosterSM* Toolkit: |
|
Student Loan Payments
Beginning in 2024, employers can offer the Student Debt Retirement (SDR) benefit to their employees. Toolkit: |