Implementation – Secure 2.0 Act – 401K Changes in Workday Payroll

Authors: Rajagopal Arputham Chetty

DOI: https://doi.org/10.37082/IJIRMPS.v14.i1.232979

Short DOI: https://doi.org/hbttx4

Country: United States

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Abstract: This article focusses on understanding the retirement benefit 401k changes requirement of Secure 2.0 Act (2026) and how we can architect the solution in Workday payroll using delivered concepts of lookup table, lookup calculation, Comparison Calculation, Arithmetic Calculation, and override calculation. This research outlines the concept of 401K, 401k Limit, Catch up Limit, Roth, and various calculation options in Workday to implement the same and other configurations to implement this ACT. This article proves the success of this design with a successful case study by implementing this design in the Retail industry with over forty thousand employees across all states in USA and concludes with the implementation strategy.

Keywords: Secure 2.0 ACT, ERP, Workday Payroll, Pre Tax Deductions, Post Tax Deductions, 401K, Roth, Limits.

Paper Id: 232979

Published On: 2026-02-14

Published In: Volume 14, Issue 1, January-February 2026

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