2025 Contribution Limits

As we wrap up the second quarter of 2026, one trend continues to stand out: retirement plans are becoming increasingly specialized. Whether driven by changing regulations, unique workforce structures, or evolving business goals, employers are finding that a one-size-fits-all approach simply doesn't work. This quarter, we explored the unique retirement plan challenges facing several industries—including medical and dental practices, construction companies, architecture and design firms, wineries, and California employers navigating CalSavers requirements. We also continued our series on the hidden risks of low-quality retirement plan services, highlighting how operational complexity, fragmented accountability, and misaligned incentives can create costs that extend far beyond administrative fees. For employers still evaluating their retirement plan options, we also discussed opportunities that many business owners overlook, including the ability to establish retirement plans after filing a tax extension and potentially generate meaningful tax savings. Below is a recap of the articles we published this quarter. We hope they provide practical insights to help you reduce risk, improve plan performance, and make more informed retirement plan decisions.

When considering retirement plans, employers in the private sector are often focused on designing a compliant plan that meets the needs of their owners and employees. While that process for private sector entities can certainly be complex, nonprofit organizations face an entirely different set of considerations, related to funding, staffing, governance, and organizational structure, to name just a few. From seasonal employees and grant-funded positions, to creative executive retention strategies and legacy retirement programs, to smaller budgets serving a mission, there is so much behind the scenes that can affect a nonprofit organization’s ideal retirement plan. At Primark Benefits, we've worked with nonprofit organizations of all sizes throughout our history, from large institutions with hundreds of participants to small community organizations with fewer than 20 employees. In addition, many members of our management team serve on nonprofit boards across the country for organizations and causes near and dear to their hearts. All that combined experience has validated what makes a retirement plan most successful: understanding the organization itself.