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This article may contain references to PCA Retirement & Benefits (RBI), which has since been renamed Geneva Benefits Group. Learn more about our name change here.

PCA 403(b) Retirement Plan Limitations for 2021

The IRS updates retirement plan contribution limits for defined contribution plans such as the PCA Retirement Plan each year.

The limits for 2021 are as follows:

Elective Deferral Limit (salary reduction contribution): $19,500 (unchanged from 2020). Internal Revenue Code Section 402(g)

Defined Contribution Limit (employer plus employee): $58,000 ($1,000 increase from 2020). Internal Revenue Code Section 415(c)

Catch-up Contribution Limit (age 50 or older): $6,500 (unchanged from 2020). Internal Revenue Code Section 414(v)

If age 50 or older, a total of $26,000 in elective deferral contributions will be allowed in 2021. This amount is unchanged from 2020.

Source: IRS Retirement Plan section


Geneva Benefits Group serves those who serve others, providing practical support for the financial, physical, and mental wellbeing of people who work in full-time ministry.

Geneva offers preparedness and peace of mind with solutions tailored to the needs of ministry leaders and staff.