403(B) THRIFT PLAN OF FAMILIES FORWARD Contribution & Employer Match
How FAMILIES FORWARD Supports Your Retirement Savings
FAMILIES FORWARD provides retirement savings benefits through 403(B) THRIFT PLAN OF FAMILIES FORWARD. 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 OF FAMILIES FORWARD Average Participant Retirement Account Value
403(B) THRIFT PLAN OF FAMILIES FORWARD Estimated Average Employee Contribution Amount
216,450.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,382.00 in 403(B) THRIFT PLAN OF FAMILIES FORWARD, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in 403(B) THRIFT PLAN OF FAMILIES FORWARD
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 OF FAMILIES FORWARD Total Employer Contribution and Match Rate
403(B) THRIFT PLAN OF FAMILIES FORWARD Estimated Average Employer Match
Investing in this additonal $1,933.00 for 20 years would give you extra $123,738.00, 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 OF FAMILIES FORWARD Contribution & Match Policy
403(B) THRIFT PLAN OF FAMILIES FORWARD Contribution, Match and Other Plan Policies
- Participants may make Elective Deferral Contributions up to the maximum dollar amount established by the IRC of pretax annual compensation ($23,000 in 2024), as defined in the Plan.
- Participants aged 50 and older may make catch-up contributions to a maximum dollar amount established by the IRC.
- During 2024, a participant’s catch-up contributions for the plan year may not exceed $7,500.
- Participants may elect to designate all or any portion of their Elective Deferral Contributions as Roth Elective Deferrals.
- The Plan Sponsor shall make safe harbor base contributions equal to 3% of eligible compensation and makes discretionary matching contributions of up to 4% of eligible compensation, for a maximum employer contribution of up to 7% of eligible compensation.
- Participants are vested immediately in their contributions plus actual earnings thereon.
- Participants are vested immediately in the Employer’s contribution portion of their accounts.
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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