Employees who turn age 50 or older in 2026 and elect to make catch‑up contributions must make those contributions as Roth deferrals. Set up both 401(k) and Roth 401(k) benefits in the Payroll Settings.

In Sage 50, tracking is manual. Use payroll reports, such as the Yearly Earnings report, to determine total 401(k) contributions.
Once the employee reaches the 401(k) contribution limit, set up their catch‑up contribution in the Roth:

1. Go to Maintain, Employee/Sales Rep, and select the employee.
2. Select the Withholding Info tab.
3. Change 401(k) Catch-Up to No.
4. Add the appropriate percentage and select Yes under Catch Up for Roth 401(k). Or select Yes - Super on the Roth 401(k) for a super catch-up.