AICHE TAX DEFERRED SAVINGS PLAN Contribution & Employer Match

How AMERICAN INSTITUTE OF CHEMICAL ENGINEERS Supports Your Retirement Savings

AMERICAN INSTITUTE OF CHEMICAL ENGINEERS provides retirement savings benefits through AICHE TAX DEFERRED SAVINGS 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.

AICHE TAX DEFERRED SAVINGS PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for AICHE TAX DEFERRED SAVINGS PLAN is $160,643.00

AICHE TAX DEFERRED SAVINGS PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for AICHE TAX DEFERRED SAVINGS PLAN is $4,669.00. If you contribute an amount exceeding this, you have saved more than your colleagues. Congratulations! Keep up the good work. Otherwise, you might want to consider contributing more to ensure a better retirement future.
298,824.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,669.00 in AICHE TAX DEFERRED SAVINGS PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in AICHE TAX DEFERRED SAVINGS 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.

AICHE TAX DEFERRED SAVINGS PLAN Total Employer Contribution and Match Rate

In 2024, AICHE TAX DEFERRED SAVINGS PLAN allocates $1,310,721.00 to match its employees’ contributions, providing an employer match rate of 161.33% of their contributions

AICHE TAX DEFERRED SAVINGS PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in AICHE TAX DEFERRED SAVINGS PLAN is approximately $7,084.00
Investing in this additonal $7,084.00 for 20 years would give you extra $453,438.00, 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.

AICHE TAX DEFERRED SAVINGS PLAN Contribution & Match Policy

AICHE TAX DEFERRED SAVINGS PLAN Plan Policies

AICHE TAX DEFERRED SAVINGS PLAN Contribution, Match and Other Plan Policies

  • Each year participants may contribute up to 100% of their pre-tax annual compensation as defined in the Plan document.
  • Contributions are subject to certain Internal Revenue Code ("IRC") limitations.
  • Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
  • The Sponsor is required to make a matching contribution of 100% up to 3% of a participant’s compensation contributed to the Plan, as defined by the Plan document.
  • Participants are immediately fully vested in their voluntary contributions, including catch-up contributions, rollover contributions from other plans and earnings thereon under the 403(b) option of the Plan.
  • Participants are fully vested in the Sponsor matching and discretionary contributions and earnings after two full years of service.
  • For vesting purposes, the Plan defines a year of service as an employer year in which a participant is credited with 1,000 hours.
  • Participants are also 100% vested in the employer matching and discretionary funds upon attaining the Plan’s normal retirement age of 65, becoming permanently disabled or dying while employed by the Sponsor.

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:

 20242025
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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