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Consider features and requirements before selecting a plan for your business

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1

Limits listed are for 2024. The IRS sets limits annually.

2

Contributions may be based only on the first $345,000 of compensation for 2024.

3

Service and age requirements may be less restrictive at employer’s discretion.

4

Tax-filing deadline plus any extensions.

5

Employee salary deferrals must be deposited as soon as administratively feasible and no later than 30 days following the month in which the deferrals were made.

6

Employee salary deferrals must be deposited as soon as administratively feasible and no later than 15 days following the month in which the deferrals were made.

7

If you are self-employed and do not report your compensation on IRS Form W-2, then your compensation is your earned income. Check with your tax advisor for information about how to determine your maximum contribution based on your earned income.

8

IRS Form 5500 is generally not required for single participant plans with $250,000 or less in assets.

9

Additional forms and notices may be required based on optional plan features.

This material has been prepared for educational purposes only. It is not intended to provide, and should not be relied upon for, investment, accounting, legal or tax advice.

IRS Circular 230 Disclosure: American Century Companies, Inc. and its affiliates do not provide tax advice. Accordingly, any discussion of U.S. tax matters contained herein (including any attachments) is not intended or written to be used, and cannot be used, in connection with the promotion, marketing or recommendation by anyone unaffiliated with American Century Companies, Inc. of any of the matters addressed herein or for the purpose of avoiding U.S. tax-related penalties.

This information is for educational purposes only and is not intended as tax advice. Please consult your tax advisor for more detailed information or for advice regarding your individual situation.

Please consult your tax advisor for more detailed information regarding the Roth IRA or for advice regarding your individual situation.

Taxes are deferred until withdrawal if the requirements are met. A 10% penalty may be imposed for withdrawal prior to reaching age 59½.