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Retirement Plan Limits

The following chart illustrates the cost of living adjustments to dollar limits under Employee Benefit Plans:

Type of Limitation 2006 2005 2004
Defined Contribution  
Maximum Contribution
$44,000 $42,000 $41,000
Defined Benefit Maximum Benefit $175,000 $170,000 $165,000
Annual Compensation Limit $220,000 $210,000 $205,000
Elective Deferrals  
(401(k), 403(b), etc.) / Catch-Up Contributions
$15,000 / $5,000 $14,000 / $4,000 $13,000 / $3,000
457 Plan Limits / Catch-Up Contributions $15,000 / $5,000 $14,000 / $4,000 $13,000 / $3,000
SIMPLE Retirement Accounts / Catch-Up Contributions $10,000 / $2,500 $10,000 / $2,000 $9,000 / $1,500
Highly Compensated $100,000 $95,000 $90,000
Social Security  
Taxable Wage Base
$94,200 $90,000 $87,900


We selected Qualified Plans over a year ago, and I have found them to be prompt and courteous when fulfilling my requests. Their staff goes beyond the call of duty to meet my needs. They have greatly exceeded my expectations with their outstanding service.
Rebecca L. Helms
Omni National Bank