Secure Act 2.0 considerations for year 2026 within eCMS
| Secure Act 2.0 considerations for year 2026 within eCMS Mandatory Roth Catch-Up Contributions for high earners, please understand that this will be a manual set up that will need to be identified and set up for these higher wage earners. Here is a summary of SECURE 2.0 Act for year 2026 and the manual requirement within eCMS to make those adjustments for high earners. Catch-up contribution limits for 2026 are subject to annual adjustments by the IRS. Based on projections and the SECURE 2.0 Act, here’s what to expect: Catch-up contributions for individuals aged 50 and over (standard) Expected Limit: Projections anticipate the standard catch-up contribution limit for individuals age 50 and over to increase to $8,000 in 2026. This is an additional contribution on top of the regular 401(k) contribution limit, which is projected to be $24,500 in 2026. Therefore, the total possible contribution for those aged 50+ would be $32,500 ($24,500 + $8,000). Catch-up contributions for individuals aged 60-63 (enhanced) The SECURE 2.0 Act introduced an enhanced catch-up contribution limit for individuals aged 60, 61, 62, and 63. Expected Limit: This enhanced limit is projected to remain at $11,250 in 2026, though it will be indexed for inflation starting that year. This enhanced catch-up is optional for retirement plans, and employers are not required to offer it. If your plan allows it, the total possible contribution for this age group would be $35,750 ($24,500 regular limit + $11,250 enhanced catch-up). Mandatory Roth Catch-Up Contributions for high earners Starting in 2026, individuals who earned $145,000 or more in FICA wages in the preceding year (2025 in this case) must make any catch-up contributions (both standard and enhanced) to a Roth plan, such as a Roth 401(k). This means these contributions are made with after-tax dollars, not pre-tax. If a plan doesn’t offer a Roth option and a high earner falls under this rule, they will not be able to make catch-up contributions at all. This rule was originally set to begin in 2024 but was delayed by the IRS until 2026 to allow time for plan sponsors and payroll providers to adjust their systems. The $145,000 income threshold will be indexed for inflation in future years. Important Notes: Consult official IRS website for specific clarification. Consult with your plan administrator or a financial advisor to determine the specific rules and limits applicable to your situation. Understanding these changes is crucial for planning your retirement savings strategy, especially if you are age 50 or over or a high-income earner. Within eCMS for high earners you will need to manually enroll them into the Roth catch up category at the beginning of the year. If Roth option is not available within the Plan, then they will not be able to make catch-up contributions at all. |
- Product Update
Dear Payroll Tax Table Upload Subscriber,
This is the latest changes for PTT Import for 2025 (01.01.2025, 01.06.2025, 01.13.2025, 02.03.2025, 03.21.2025, 05.23.2025, 06.20.2025, 09.24.2025).
Here are the US tables that are ready to import:
This includes 1 States …see the list below.
The only change is for Ohio.
Note: All state, federal and territory tax tables are reloaded in every import file.
If you need assistance, please submit a Support Ticket and someone will reach out to help you. Thank you.
- Payroll Tax Tables
Sun Builders, a Houston-based commercial and industrial construction company, needed a way to eliminate data silos between its finance and project management systems. Using both eCMS and Procore, the company faced inefficiencies from duplicate data entry, inconsistent job cost information, and delayed decision-making.
- Case Study/Success Story
Hot Fix 311 (HF311) is now available for both Production and Test Environments that are currently at
eCMS v.4.2 Fix Pack 3 Hot Fix 308 (HF308) or eCMS v.4.2 Fix Pack 3 Hot Fix 309 (HF309).
HF311 was created to deliver changes for Certified Payroll – Davis Bacon format. It also includes other selected changes that allow HF311 to be delivered to both HF308 and HF309 environments.
The Hot Fix 311 Release Notes document is located on the CGC Portal/Knowledge Center. eCMS Updates Release Notes under eCMS v.4.2 Fix Pack 3 Hot Fix 311 (HF311) Release Notes.
HF311 does NOT require a dedicated eCMS environment for delivery providing that all users are out of the Payroll Application. The delivery takes less than 5 minutes to complete.
HF311 does require that eCMS go through nightly processing for all changes to take effect.
For hosted customers:
The Software Delivery Team will be contacting you regarding the scheduling of your Production and Test environment upgrade. If the date selected does not work out for you, please let us know.
You may also submit a ticket requesting the installation of eCMS v.4.2 Fix Pack 3 – Hot Fix 311.
For non-hosted customers:
Please submit a ticket requesting the installation of eCMS v.4.2 Fix Pack 3 – Hot Fix 311 into your Production and Test Environments.
- Product Update
Computer Guidance will be closed on Friday, July 4, 2025, in observance of Independence Day. We will resume regular business hours on Monday, July 7, 2025.
For urgent matters during this time, please open an incident on our Customer Support Site and email our after-hours support team at afterhourssupport@computerguidance.com. We wish you a safe and happy holiday!
- CGC Holiday Schedule
We’re excited to share that the Q2 2025 Customer Newsletter is now available. Please check it out for the latest updates and insights.
- Quarterly Customer Newsletter
Dear Payroll Tax Table Upload Subscriber,
This is the latest changes for PTT Import for 2025 (01.01.2025, 01.06.2025, 01.13.2025, 02.03.2025, 03.21.2025, 05.23.2025, 06.20.2025).
Here are the Canadian tables that are ready to import:
There are 3 changes for Canadian Tax Tables …see the list below.
Federal, Alberta & Manitoba
There are 4 changes for Canadian Tax Credits …see the list below.
Manitoba, Nova Scotia, Prince Edward Island and Saskatchewan.
Here are the US tables that are ready to import:
This includes 2 States …see the list below.
The only changes are for Georgia and Virginia.
Note: All state, federal and territory tax tables are reloaded in every import file.
If you need assistance, please submit a Support Ticket and someone will reach out to help you. Thank you.
- Payroll Tax Tables
The eCMS + Procore Solution Delivers Improved Productivity, Smarter Decision-Making, and Better Project Forecasting for Sun Builders Co.
Scottsdale, Arizona—June 18, 2025 — Computer Guidance Corporation, the leading developer of cloud-based ERP solutions for the construction industry, today announced that Houston-based general contractor Sun Builders Co. has rolled out the eCMS and Procore integration for its commercial and industrial construction projects.
- Press Release
Tired of manually pulling and sharing reports? In this webinar, learn how to set up scheduled notifications to automatically send data from any IDI or Advanced Analytics report via email in a variety of formats—including PDF, Excel, CSV, and XML. We’ll walk through the step-by-step setup process, show how to configure recipients and delivery options, and share best practices to ensure your teams always have the data they need—on time and in the right format.
- CGC University
Join us for the CGC University expert-led webinars designed to help you unlock new features, streamline your workflows, and get the most out of your system——Mark your calendars today! Not a CGCU Member Yet? There’s Still Time to Join!
If you haven’t signed up for our CGC University program yet, it’s not too late. Subscribe today to access expert-led webinars, valuable training resources, and exclusive tools designed to help you get the most out of your CGC experience.
- CGC University