These key 401(k) changes are coming in 2025. What savers need to know [Video]

As some Americans struggle to save for retirement, key 401(k) plan changes could soon make preparing easier for certain workers, experts say. 

Enacted by Congress in 2022, “Secure 2.0” ushered in sweeping changes to the U.S. retirement system, including several updates to 401(k) plans. Some of these provisions will go into effect in 2025.

Meanwhile, roughly 4 in 10 American workers say they are behind in retirement planning and savings, primarily due to debt, not enough income or getting a late start, according to a CNBC survey, which polled about 6,700 adults in early August.

Dave Stinnett, Vanguard’s head of strategic retirement consulting, said 401(k) plans are “the primary way most Americans prepare for retirement” and those accounts can work “very, very well” when designed properly.

Here are some key changes for 2025 and what employees need to know.

For 2025, employees can defer $23,500 into 401(k) plans, …