My employer is forcing me into a Roth 401(k). Is there anything I can do?

MarketWatch

by Dan Moisand

February 14, 2026

AI-Generated Deep Dive Summary

A recent update to 401(k) rules has left some high earners in Tampa—and potentially across the U.S.—frustrated. Employers are now required to redirect catch-up contributions from traditional 401(k)s into Roth accounts for those earning above certain thresholds, removing the tax deduction typically associated with these plans. This shift means employees may be forced into Roth contributions without their consent, which could have significant financial implications as they approach retirement. Under this new rule, high earners who max out their retirement savings each year are no longer eligible for the tax benefits of traditional 401(k) contributions. Instead, their catch-up contributions (the additional $3,500 for those aged 50 and older in 2026) must go into Roth accounts, where they are taxed upfront. This change aligns with IRS guidelines aimed at ensuring that only lower- and middle-income individuals benefit from tax-free growth in traditional 401(k)s. While this rule applies automatically to high earners, there may be limited options for those affected. Employees should consult with HR or a financial advisor to understand how the new policy impacts their retirement strategy. For some, this could mean reevaluating savings goals or adjusting contributions to align with Roth benefits, which offer tax-free withdrawals in retirement despite higher upfront costs. This change highlights the evolving landscape of workplace retirement plans and underscores the importance of staying informed about IRS rules and employer policies. High earners navigating these shifts may need to adapt their financial planning to maximize benefits under new constraints.

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Originally published on MarketWatch on 2/14/2026