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Do I need a separate account for Roth contributions?

Yes. Roth salary deferrals under a SIMPLE IRA plan must be deposited into a SIMPLE Roth IRA that is separate from the Traditional SIMPLE IRA holding pre-tax funds and employer contributions.

This separation ensures that Roth and pre-tax funds are tracked correctly for tax reporting and withdrawals. Roth contributions and earnings follow different tax rules, so they must be maintained in a distinct account or registration.

Having separate accounts helps prevent reporting errors and ensures that qualified Roth withdrawals are treated properly by the IRS.