If you have a Safe Harbor 401(k), you have the potential to save more in 2025. Find out about these changes and find an EP Wealth advisor near you to discuss your own retirement planning strategy for the year ahead.

Safe Harbor 401k Limits for 2025 

Safe Harbor 401(k) plans allow every employee to save for retirement. For that reason, they are often used as incentives to attract and retain talent. Like traditional employee-sponsored 401(k)s, there are annual contribution limits on these retirement savings vehicles. These limits are generally updated from year to year to account for inflation.

Find out the new Safe Harbor contribution limits for 2025 to maximize your savings and move one step closer to your retirement goals. For more guidance on planning for retirement, contact an EP Wealth advisor near you.

How Much Can I Contribute to My Safe Harbor 401(k) in 2025?

Safe Harbor 401(k) contribution limits are the same as traditional 401(k)s. For 2025, these limits have been updated to reflect high inflation.

The annual employee contribution limit in 2025 is $23,500, which is up $500 from last year. The annual 401(k) catch-up contribution limit for employees ages 50 and up remains unchanged at $7,500.

The annual combined limit for employer-employee contributions for defined contribution plans increased from $69,000 to $70,000 in 2025.

Unlike traditional 401(k) plans, employer contributions to Safe Harbor 401(k)s are not only mandatory but they are also immediately vested. That means employees are not required to work a certain number of years before they can access these funds.

EP Wealth Advisors Can Help You Plan for a Bright Future in Retirement

A 401(k) is an important retirement planning tool. But a solid retirement strategy goes beyond your 401(k) to include a diverse mix of savings vehicles to provide for today and save for tomorrow.

Financial advisors at EP Wealth offer customized retirement planning solutions to help fund your future goals and dreams. Call or connect online to find an advisor near you.

DISCLOSURES:

• EP Wealth Advisors, LLC. is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the advisor has attained a particular level of skill or ability
• Request an appointment with an EP Wealth Advisor when you have a minimum of $500,000 in investable assets – which includes qualified retirement plans (IRA, Roth IRA, 401(k), taxable brokerage, cash (savings/checking) and CDs. Investable assets do not include your home, vehicles, or collectibles.
• The information presented is general in nature and should not be viewed as a comprehensive analysis of the topics discussed. It is intended to serve as a tool containing general information that should assist you in the development of subsequent discussions. Content does not involve the rendering of personalized investment advice nor is it intended to supplement professional individualized advice.  
• Hiring a qualified advisor and/or financial planner does not guarantee investment success and does not ensure that a client or prospective client will experience a higher level of performance or results. No guaranty or warranty is made that any direct or implied results or projections being represented here will be met or sustained.
• All investment strategies have the potential for profit or loss. Different types of investments and investment strategies involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for a client's portfolio. The risk of loss can never be eliminated even if working with a professional.