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401(k) Savings - IRS 401(k) Annual Benefit Limits
IRS 401(k) Annual Benefit Limits
2009 401(k) IRS plan limits. Information you need to know in order to maximize your contributions.

Below are the 2009 401(k) Employee Benefit Plan Limitations as defined by the IRS.

  If you are Under Age 50  If you are age 50 or Older*
Your Pre-Tax Contribution Limit Maximum of $16,500 Additional $5,500 in catch-up contributions
Total Contributions Limit (combined total of your Pre-tax, After-tax and Company Contributions) $49,000 $54,500 ($49,000 + $5,500 in catch-up contributions)

*You must be at least 50 years old by the end of 2009 to be eligible to make catch-up contributions.

Note: In 2009, the total annual amount of eligible compensation on which your savings plan contributions may be based is $245,000.

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