Year-end is a great time to maximize the contribution to your JRB Retirement Plan account. You can reduce your taxable income, lower the taxes you pay and see your savings grow on a tax-deferred basis – all while building financial security. Even a small increase can make a big difference over time.
Many JRB participants know they can make additional contributions to their retirement account once they reach 50 years old. This year, those age 60-63 have an additional opportunity to reduce the taxes they pay while saving for retirement – a new, “super” catch-up contribution.
Catch-Up Contribution
In 2025, those age 50 and above can contribute an additional $7,500 to their JRB 403(b) account on top of the standard $23,500 contribution limit (for a total of $31,000). You are eligible to make a catch-up contribution if you turn 50 years old at any time during calendar year 2025.
Super Catch-Up Contribution
Beginning in 2025, retirement savers between ages 60 and 63 can contribute an additional $3,750 to their JRB account. This brings the annual total contribution to $34,750 ($23,500 + $7,500 + $3,750). You are eligible to make a super catch-up contribution if you turn 60 years old anytime during calendar year 2025. If you turn 64 years old anytime in 2025, you are not eligible to make a super catch-up contribution. You can still make an age 50 catch-up contribution.
Employer Contributions
Employers can make pre-tax contributions to your JRB Retirement Plan account in addition to the contributions you make as an employee. The table below provides the maximum combined employer and employee contributions permitted by IRS regulation.
Maximum JRB Retirement Plan Contributions by Age (2025)
| Under 50 | 60 – 63 | ||
|---|---|---|---|
| Maximum Salary Reduction Contribution | $23,500 | $23,500 | $23,500 |
| Catch-Up Contribution - Age 50 - Age 60-63 (NEW) | $7,500 | $7,500 $3,750 |
|
| Total Maximum Employee Contribution | $23,500 | $31,000 | $34,750 |
| Maximum Employer + Employee Contribution | $70,000 | $77,500 | $81,250 |
The JRB urges you to contribute as close to the maximum as you can to your JRB account. The more you contribute, the more you can reduce your current income taxes while investing in a comfortable retirement. Can’t contribute the maximum this year? Consider increasing your contribution by 1% or 2% of your salary this year with a goal of saving 20% of your annual salary.
Next Steps
If you would like to make changes to your contribution, speak to your synagogue or organization’s administrator.
Please contact us at 888-JRB-FREE (572-3733) or email us with any questions on catch-up and super catch-up contributions.
October 2025