2023 quick benefit facts 

October 21, 2022
Mercer’s Quick Benefit Facts offers a handy single-sheet reference guide giving key 2021–2023 annual limits for retirement plans on one side, with health, fringe benefit and Affordable Care Act (ACA) figures on the other. Download the print-friendly PDF to see the complete charts.

Annually adjusted retirement plan figures shown on one side include:
 

  • IRS qualified retirement plan limits
  • IRS limits for traditional individual retirement accounts
  • PBGC premiums for single-employer defined benefit plans
  • Social Security taxable wage base and cost-of-living adjustment

Annually adjusted health and fringe benefit figures shown on the reverse side include:
 

  • Tax-free qualified transportation fringe benefit limits
  • Limit on salary-reduction contributions to health flexible spending arrangements (health FSAs)
  • Maximum contributions for health savings accounts (HSAs) and out-of-pocket maximums for high-deductible health plans (HDHPs) and minimum HDHP annual deductibles
  • ACA out-of-pocket maximums for nongrandfathered group health plans
  • ACA play-or-pay assessments under the employer shared-responsibility (ESR) mandate
  • ACA affordability limit under the ESR federal-poverty-line safe harbor
  • ACA affordability percentage for employer coverage
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