| The following two books cover federal limits on pre-tax contributions that may be made to retirement plans and how the limits relate to the U-M Retirement Savings Plan. This includes your 5% contribution and the University 10% match under the Basic Plan, as well as the limit on extra or SRA contributions.
Guide to IRC Contribution Limits (PDF)
- This book covers limits for newly hired faculty and staff, all voluntary participants in the retirement plan, and compulsory participants in the retirement plan who are not highly compensated (your pay from the University for the year is less than $102,000 for 2008).
Guide to IRC Contribution Limits: Highly Compensated Compulsory Participants (PDF)
- This book covers limits for compulsory participants in the retirement plan who are highly compensated (your pay from the University for the year is more than $102,000 for 2008).
- You are a compulsory participant in the University of Michigan Retirement Plan if you meet all three of the following:
- You are age 35 or older, and
- You are working at a 100% appointment, and
- You have completed two years of service as a regular faculty or staff member.
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