---
title: "11/04/2025 Release Notes: SECURE 2.0 Act Catch-Up Deductions"
description: To adhere to the SECURE 2.0 Act guidelines, Checkwriters has released updates to the Company and Employee Deduction pages related to Roth catch-up contributions.
---
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# 11/04/2025 Release Notes: SECURE 2.0 Act Catch-Up Deductions
## These release notes document improvements to the Checkwriters software released to the Production environment on 11/04/2025.
The IRS recently released [final regulations](https://www.federalregister.gov/documents/2025/09/16/2025-17865/catch-up-contributions) that provide guidance for retirement plans with catch-up contributions, reflecting statutory changes made by the SECURE 2.0 Act of 2022. In response to these regulations, Checkwriters has released the following updates to our system.
**More Info:** Learn more about the [IRS Catch-Up Contributions Rule](https://www.federalregister.gov/documents/2025/09/16/2025-17865/catch-up-contributions).
[Company Deduction Changes](https://help.checkwriters.com/knowledge/11/04/2025-release-notes-secure-2.0-act-catch-up-deductions#company)
[Employee Deduction Changes](https://help.checkwriters.com/knowledge/11/04/2025-release-notes-secure-2.0-act-catch-up-deductions#employee)
### Company Deduction Changes
For users with access to **Company (module) → Company Setup → Deductions**, we have added new functionality.
When adding or editing a deduction code with a **Type** of “401k”, “403b”, or “457b”, a new dropdown field, **Post-Tax Catch-Up Contributions**, will display. This field allows administrators to configure which Roth deduction code will be automatically used for post-tax catch-up contributions. From the “Post-Tax Catch-Up Contributions” dropdown, users can designate the deduction as one of the following, as they are available:
- Roth 401k
- Roth 403b
- Roth 457b
- Roth IRA
- Roth Simple - Simple Roth IRA
- SBRSimple - Small Simple Roth IRA
Options in this dropdown are generated from the other Deduction types set up within your company. You will only see the above options in the Post-Tax Catch-Up Contributions dropdown if those Deduction types are set up in **Company (module) → Company Setup → Deductions**.
### Employee Deduction Changes
For users with access to **HR Admin (module) → Manage Employees → Employee Center → select employee → Payroll (tab) → Deduction (tab)**, we have added new functionality.
**Note:** This step only needs to be completed if either of the following are true of the employee:
- The employee is age 50+, made less than the Roth catch-up threshold in FICA wages the prior year, AND they have voluntarily elected to make their catch-up contributions on a Roth basis.
- The employee is age 50+, made at or above the Roth catch-up threshold in FICA wages the prior year, AND their prior year’s wages *are not* in Checkwriters.
- If their prior year wages *are* in Checkwriters, their contributions will be updated automatically.
When adding or editing an employee’s deduction code with the **Type** “401k”, “403b”, or “457b” for an employee, a new field, **Year employee met Roth catch-up threshold**, will prompt users to indicate if the employee has exceeded the Roth catch-up threshold.
- If the employee DID meet the Roth catch-up threshold the prior calendar year, select the prior calendar year from the dropdown menu.
- If the employee DID NOT met the Roth catch-up threshold the prior calendar year, select “N/A” from the dropdown menu.
The **Year employee met Roth catch-up threshold** field will only show if the **Deduction** selected is set up with a **Type** of “401k”, “403b”, or “457b” in **Company (module) → Company Setup → Deductions**, as shown in the [Company Deduction Changes](https://help.checkwriters.com/knowledge/11/04/2025-release-notes-secure-2.0-act-catch-up-deductions#company) section of these release notes.
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