What is a Mandatory Roth catch-up contribution?
A mandatory Roth catch-up contribution is a SECURE 2.0 provision requiring employees who earned over $145,000 in W-2 wages the prior year to make all 401k catch-up contributions on an after-tax Roth basis. This applies to the $7,500 standard catch-up and the $11,250 super catch-up for ages 60 through 63. The base deferral of $23,500 can still be directed to a Traditional 401k or Roth 401k at the employee's election.
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