SECURE & SECURE 2.0 Amendment Playbook: What to Change, What to Check, What to Keep

Long-Term Part-Time (LTPT)

• Identify part-timers with consecutive years of 500+ hours.
• Update eligibility tracking and entry dates; confirm with payroll and recordkeeper.
• Train HR to document hours consistently.

Automatic Enrollment / QACA

• Define default rate and escalation schedule.
• Confirm notice timing and safe harbor alignment.
• Test a mock payroll cycle before go-live.

Roth Catch-Up for High Earners

• If required, ensure Roth is enabled in both payroll and recordkeeper systems.
• Update enrollment forms and communications so participants understand the change.

Student-Loan Match (if adopted)

• Map data flow from payroll or servicers; document proof requirements.
• Confirm annual limits and vesting match profit sharing rules.

RMD & Hardship Clarifications

• Update RMD age and owner rules; align hardship sources and reason codes with the recordkeeper.

Document, Then Train

We encode each choice in the amendment and include a one-page “what changed” for sponsors, CPAs, and payroll—so operations match the document on day one.

Wrap-up
Amend once, implement cleanly. If you want a SECURE/2.0 amendment package with a short “what changed” summary, ask here: /contact
Educational content—no tax or legal advice.