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62% of employees are confused by ancillary benefits explanations, turning your dental, vision, and disability investments into wasted money. Clear communication transforms these benefits from budget line items into retention tools.

Starting January 1, 2026, employees earning over $150,000 must make catch-up contributions to 401k plans on a Roth basis only, losing the pre-tax tax break. Plan amendments required by December 31, 2026.

New rules allow 401k withdrawals for home purchases while FSA deadlines shift to March 15. Long Island employers need to understand how these ancillary benefit changes affect their workforce and compliance obligations.

Dependent care FSA limits jump to $7,500, HSA rules expand, and new compliance deadlines are already in effect. Small business owners face higher costs but new opportunities for employee retention.