Designated Roth Contributions limits

[RLorgeEA]

Here is a poser:  Client is CA State Employee.  Has Designated Roths under BOTH a 401k AND 457b, which is allowed.  W-2 shows contribution amounts for both codes AA & EE.  Pros Series has flagged it as having excess contributions. He was told by the SavingsPlus people that manage the California State Employee 401k and 457b plans that he could contribute annual max of $23,000 for EACH account because they were different funds, so a total of $46,000 for 2024.   I can find nothing that supports this or, even addresses the question of contributing to both in the same year.  (Most info only addresses designated Roth and regular Roth contributions questions.)  IRS FAQ shows below.  My question is if anyone knows of any exception to the rule that might apply for government employees?  

Is there a limit on how much I may contribute to my designated Roth account? (updated Aug. 1, 2024)

Yes, the combined amount contributed to all designated Roth accounts and traditional, pre-tax accounts in any one year for any individual is limited (under IRC Section 402(g)). The limit is $23,000 in 2024 ($22,500 in 2023; $20,500 in 2022; $19,500 in 2020 and 2021; $19,000 in 2019), plus an additional $7,500 in 2023 and in 2024 ($6,500 in 2020, 2021 and 2022 and $6,000 in 2015 – 2019) if you are age 50 or older at the end of the year. These limits may be increased in later years to reflect cost of living adjustments.

[qbteachmt · Accepted solution]

From: https://www.irs.gov/retirement-plans/how-much-salary-can-you-defer-if-youre-eligible-for-more-than-o...

"The amount of salary deferrals you can contribute to retirement plans is your individual limit each calendar year no matter how many plans you're in. This limit must be aggregated for these plan types:

• 401(k)
• 403(b)
• SIMPLE plans (SIMPLE IRA and SIMPLE 401(k) plans)
• SARSEP

If you’re in a 457(b) plan, you have a separate limit that includes both employee and employer contributions."

...

"Elective deferral limit

The amount you can defer (including pre-tax and Roth contributions) to all your plans (not including 457(b) plans) is $23,000 in 2024"

457(b) is deferred compensation (nonqualified plan), which is different than an ERISA retirement:

https://www.irs.gov/retirement-plans/irc-457b-deferred-compensation-plans

Is that what you wanting, clarity?

[RLorgeEA]

Yes, qbteachmt!  This is exactly what I need to see.  Thank you so much for taking the time to share this with me.