Retirement — Private Sector
About this plan
An Association MEP allows a bona fide group or association — such as an industry trade group or chamber of commerce — to sponsor a retirement plan for its member employers. NBS administers Association MEPs with coordinated compliance, filing, and plan administration across all member organizations.
What's Included
For Employers
Through your industry association, you can offer employees a quality retirement plan without bearing the full cost and complexity of going it alone. NBS handles the administration across all member employers.
For Participants
Your employer is part of an association-sponsored retirement plan. NBS ensures the plan is properly administered and your retirement savings are protected.
IRS Contribution Limits
Annual limits set by the IRS for tax-advantaged retirement contributions.
Elective Deferral Limit
All eligible employees
Age 50+ Catch-Up Contribution
Employees age 50 and older
Available if your plan permits.
Super Catch-Up Contribution
Employees ages 60–63 (SECURE 2.0)
Available if your plan permits.
Maximum Annual Additions
All contributions combined (employer + employee)
Age 50–59 & 64+
$32,500
Base $24,500 + catch-up $8,000
Ages 60–63 (SECURE 2.0)
$35,750
Base $24,500 + super catch-up $11,250
Combined totals assume your plan permits the applicable catch-up.
Catch-up contributions are plan-optional — your plan document governs which are available. Limits updated annually by the IRS. SECURE 2.0 super catch-up (ages 60–63) continues for 2026. View on IRS.gov →
NBS administers more than Association MEPs
Many employers use NBS across multiple benefit types — consolidating administration simplifies vendor management and gives your employees a consistent experience. You may also be interested in these related plans.
