Retirement Accounts
What is the maximum employee deferral contribution to a 401(k) plan for 2025 for an employee under age 50?
For 2025, the maximum employee deferral to a 401(k) is $23,500. Employees age 50 and older can make additional catch-up contributions of $7,500 (or $11,250 if aged 60-63), bringing their maximum to $31,000 or $34,750 res
Complete Analysis & Legal Rationale
For 2025, the maximum employee deferral to a 401(k) is $23,500. Employees age 50 and older can make additional catch-up contributions of $7,500 (or $11,250 if aged 60-63), bringing their maximum to $31,000 or $34,750 respectively.
Distractor Autopsy (Why Other Options Are Traps)
FINRA exam writers design incorrect distractors using specific calculation mistakes and regulatory misconceptions. Review why each option succeeds or fails:
Does not match the governing concept in the explanation.
Does not match the governing concept in the explanation.
Matches the verified teaching point in the explanation.
Does not match the governing concept in the explanation.
Official Standard: Outline-level citation pending rule-specific upgrade. Verify against current FINRA Series 7 outline.