​​​​​​
In accordance with the IRS instructions and a new rule under the SECURE 2.0 Act, your 401(k) catch-up contributions may be changing.
If you’re turning age 50 or older in 2026 and your total 2025 FICA wages (Box 3 of your W-2) were more than $150,000 in 2025 at Boot Barn, any catch-up contributions you make in 2026 must be made on a Roth basis (after-tax).
IMPORTANT 401(k) CATCH-UP CONTRIBUTION CHANGE IN 2026
​
401(k)
Eligibility
Partners age 21+ are eligible to join the Fidelity-administered 401(k) plan the first of the month after one month of employment. Visit 401k.com, or call (800) 835-5097 to set up your contribution rate at any time.
​
Contribution Limits
For 2026, the IRS annual contribution limit is $24,500 for everyone under age 50.
Partners aged 50 and older can contribute an additional $8,000 in catch-up contributions*.
Partners aged 60 to 63 can contribute an additional $11,250, which is known as a “super-catch-up” contribution*.
If you have multiple employers during the year, these limits are combined for all plans that you contribute to during the year. Restrictions may apply to these limits based on plan documents and annual testing requirements.​​​​​​​
​*In accordance with the IRS instructions and a new rule under the SECURE 2.0 Act, if you’re turning age 50 or older in 2026 and your total 2025 FICA wages (Box 3 of your W-2) were more than $150,000 in 2025 at Boot Barn, any catch-up contributions you make in 2026 must be made on a Roth basis (after-tax)*
​
Company Match
​After 1 year, Boot Barn matches 100% of the first 3% and 50% of the next 2% contributed.​​