TWG Benefits, Inc. - Innovative Retirement Solutions



ERISA/Pension Fidelity Bonds and Fiduciary Liability Insurance

As a courtesy to plan sponsors that require ERISA/pension fidelity bonds and fiduciary liability insurance, TWG maintains a referral link to Colonial Surety Company. Fidelity bonds are available for plan sponsors, service providers, and multiemployer plans. Fiduciary liability insurance coverage is available for plan sponsors and pension professionals. Fidelity bond coverage protects against claims due to actual or alleged fiduciary breaches and fiduciary liability coverage provides defense costs and penalties if sued for fiduciary decisions.

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Annual Plan Limits

Each year the U.S. government adjusts the limits for qualified plans and Social Security to reflect cost-of-living adjustments and changes in the law. Many of these limits are based on the "plan year" as defined in the plan document. The elective deferral and catch-up limits are always based on the calendar year.

2019 2018
Maximum compensation limit $280,000 $275,000
Defined contribution plan maximum contribution $56,000 $55,000
Defined benefit plan maximum contribution $225,000 $220,000
401(k), 403(b) and 457 plan elective maximum elective deferrals $19,000 $18,500
      Catch-up contributions $6,000 $6,000
SIMPLE plan elective deferrals $13,000 $12,500
      Catch-up contributions $3,000 $3,000
IRA $6,000 $5,500
      Catch-up contributions  $1,000 $1,000
Highly Compensated Salary Threshold $125,000 $120,000
Officer Salary Threshold $180,000 $175,000
Social Security taxable wage base $132,900 $128,400

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