ACLU DEFINED CONTRIBUTION PLAN Contribution & Employer Match
How AMERICAN CIVIL LIBERTIES UNION, INC. Supports Your Retirement Savings
AMERICAN CIVIL LIBERTIES UNION, INC. provides retirement savings benefits through ACLU DEFINED CONTRIBUTION PLAN. 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.
ACLU DEFINED CONTRIBUTION PLAN Average Participant Retirement Account Value
ACLU DEFINED CONTRIBUTION PLAN Estimated Average Employee Contribution Amount
482,553.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 7,539.00 in ACLU DEFINED CONTRIBUTION PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in ACLU DEFINED CONTRIBUTION PLAN
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.
ACLU DEFINED CONTRIBUTION PLAN Total Employer Contribution and Match Rate
ACLU DEFINED CONTRIBUTION PLAN Estimated Average Employer Match
Investing in this additonal $3,274.00 for 20 years would give you extra $209,582.00, 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.
ACLU DEFINED CONTRIBUTION PLAN Contribution & Match Policy
ACLU DEFINED CONTRIBUTION PLAN Contribution, Match and Other Plan Policies
- Each participant of the Plan can elect to contribute a percentage, up to 100%, of their pre-tax compensation, as defined, up to the stated Internal Revenue Code (IRC) limitations of $23,000 and $22,500 for 2024 and 2023, respectively.
- In addition, participating employees who are 50 years of age or older in any calendar year may elect to make catch-up contributions to the Plan up to the annual Internal Revenue Service (IRS) limits of $7,500 and $6,500 for 2024 and 2023, respectively.
- The Plan includes an auto-enrollment provision whereby all newly eligible employees are automatically enrolled in the Plan unless they affirmatively elect not to participate in the Plan.
- Automatically enrolled participants have their deferral rate set at 6% of eligible compensation and their contributions invested in a designated balanced fund until changed by the participant.
- Automatic enrollment deferral contributions are increased by 1% each year subsequent to enrollment up to 10%.
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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