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Roth 401(k) Knowledgebase

Comparison of Plans - Contribution Issues

Contribution Issues

Pre-tax 401(k)

Roth 401(k)

Maximum Deferral Limit

Yes

Yes

Federal Tax Applies

No

Yes

State Tax Applies

In Certain States

In Certain States

FICA Tax Applies

Yes

Yes

Can Employer Deduct?

Yes

Yes

25% Deduction Limit Applies

No

No

Income Limits for Ability to Defer

No

No

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