Understanding Catch‑Up Contributions
The introduction of the Secure 2.0 Act has added new complexity to retirement contribution management, particularly around catch-up contributions and Roth requirements for high earners. Manually tracking age- and income-based rules increases the risk of non-compliance and payroll errors.
RothRoll, a wsTOOLS solution for Microsoft Dynamics GP, automates Secure 2.0 compliance and simplifies retirement contribution management directly within payroll.
Automated Secure 2.0 Compliance
RothRoll helps organizations stay compliant by automatically enforcing retirement contribution rules, including:
- Roth-only catch-up contributions for high earners
- Increased catch-up limits for employees aged 60–63
- Automatic application of age- and income-based rules
- Elimination of manual contribution monitoring
Flexible Setup and Payroll Integration
RothRoll offers powerful configuration options, including:
- Traditional and Roth deduction codes with defined maximums
- Two catch-up deduction codes with age-based limits
- High-earner income definitions tied to Roth requirements
- Automatic roll-down of deduction codes to employees
- Centralized updates to deduction maximums
New deduction codes can be created on the fly, allowing payroll teams to respond quickly to regulatory changes.
Built-In Visibility with the RothRoll Dashboard
The RothRoll dashboard provides insight and control with:
- Employee-level 401(k) deduction visibility
- Filters for quick analysis
- Age tracking for catch-up eligibility
- Drill-down access to deduction code details
- Simple management of deduction codes
Employees marked as “No Roll” are excluded from automatic processing, giving teams full control over participation.
Automatic Catch-Up Handling in Action
When an employee reaches their annual contribution limit during payroll processing, RothRoll automatically redirects excess contributions to the appropriate catch-up deduction – maintaining deduction sequencing and compliance without manual intervention.
This automation ensures accurate handling of contributions even mid-pay-run.
Why Choose RothRoll?
RothRoll reduces compliance risk, minimizes manual effort, and helps payroll teams confidently manage Secure 2.0 requirements inside Dynamics GP.
Learn more about RothRoll and other wsTOOLS and contact us today: sales@iscorp.biz
