403(B) THRIFT PLAN FOR EMPLOYEES OF ABILITY BEYOND DISABILITY, INC. Contribution & Employer Match
How ABILITY BEYOND DISABILITY, INC Supports Your Retirement Savings
ABILITY BEYOND DISABILITY, INC provides retirement savings benefits through 403(B) THRIFT PLAN FOR EMPLOYEES OF ABILITY BEYOND DISABILITY, INC.. Understanding your employer’s contribution structure is essential — it directly affects how quickly your retirement nest egg grows. Below you will find the plan’s average account values and contribution patterns based on publicly filed data.
403(B) THRIFT PLAN FOR EMPLOYEES OF ABILITY BEYOND DISABILITY, INC. Average Participant Retirement Account Value
403(B) THRIFT PLAN FOR EMPLOYEES OF ABILITY BEYOND DISABILITY, INC. Estimated Average Employee Contribution Amount
124,837.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 1,950.00 in 403(B) THRIFT PLAN FOR EMPLOYEES OF ABILITY BEYOND DISABILITY, INC., assuming a 10%* annual return.
* Data are from public filings.
Employer Match in 403(B) THRIFT PLAN FOR EMPLOYEES OF ABILITY BEYOND DISABILITY, INC.
An employer match is one of the most valuable benefits in any 401(k) plan — it is essentially free money added to your retirement savings. Your employer contributes additional funds based on a percentage of your own contributions. Missing out on the full match is one of the most common and costly retirement mistakes employees make.
403(B) THRIFT PLAN FOR EMPLOYEES OF ABILITY BEYOND DISABILITY, INC. Total Employer Contribution and Match Rate
403(B) THRIFT PLAN FOR EMPLOYEES OF ABILITY BEYOND DISABILITY, INC. Estimated Average Employer Match
Investing in this additonal $1,474.00 for 20 years would give you extra $94,376.00, assuming a 10% annual return.
* Data are from public filings.
Are You Leaving Dollars on the Table?
If you are not contributing enough to capture the maximum employer match, you are literally turning down part of your compensation. For many plans, this can mean thousands of dollars per year in lost employer contributions — money that would compound over decades.
Use the policy details and calculator below to find out exactly how much you need to contribute to capture every dollar of employer matching.
403(B) THRIFT PLAN FOR EMPLOYEES OF ABILITY BEYOND DISABILITY, INC. Contribution & Match Policy
403(B) THRIFT PLAN FOR EMPLOYEES OF ABILITY BEYOND DISABILITY, INC. Contribution, Match and Other Plan Policies
- Each year, participants may contribute a percentage of pretax annual compensation, as defined in the plan document, up to the maximum limits of the Internal Revenue Code (IRC).
- Participants who have attained age 50 before the end of the plan year, as well as participants who have worked for the Organization for at least 15 years, are eligible to make catch-up contributions.
- Discretionary matching and base contribution amounts may be contributed by the Organization at the option of the Board of Directors, but no plan wide general discretionary contributions were made during the year ended December 31, 2024.
- Participants are vested immediately in their contributions plus actual earnings thereon.
- Vesting in the Organization’s contribution portion of their accounts is based on years of continuous service.
- A participant is 20% vested after two years of service and increases 20% each year and is 100% vested after six years of credited service.
2025 IRS 401(k) Contribution Limits
The IRS sets annual limits on how much you and your employer can contribute to a 401(k) plan. Knowing these limits helps you maximize tax-advantaged savings. Here are the current limits:
| 2024 | 2025 | |
|---|---|---|
| Employee elective deferrals (pretax + Roth) | $23,000 | $23,500 |
| Employee + employer contributions combined | $69,000 | $70,000 |
| Catch-up contributions (age 50+) | $7,500 | $7,500 |
| Enhanced catch-up (ages 60–63, SECURE 2.0) | N/A | $11,250 |
The power of maxing out: If you contribute the full $23,500 annually for 20 years at a 10% average annual return, you would accumulate approximately $1,505,256. If you can maximize the combined employee+employer limit of $70,000 per year, that grows to roughly $4,480,385 over the same period — more than triple.
Use the 401(k) Savings Calculator to model your specific contribution scenario and see how your savings can grow over time.
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