ANTI-DEFAMATION LEAGUE 403(B) DEFINED CONTRIBUTION PLAN Contribution & Employer Match
How ANTI-DEFAMATION LEAGUE Supports Your Retirement Savings
ANTI-DEFAMATION LEAGUE provides retirement savings benefits through ANTI-DEFAMATION LEAGUE 403(B) 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.
ANTI-DEFAMATION LEAGUE 403(B) DEFINED CONTRIBUTION PLAN Average Participant Retirement Account Value
ANTI-DEFAMATION LEAGUE 403(B) DEFINED CONTRIBUTION PLAN Estimated Average Employee Contribution Amount
589,088.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 9,204.00 in ANTI-DEFAMATION LEAGUE 403(B) DEFINED CONTRIBUTION PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in ANTI-DEFAMATION LEAGUE 403(B) 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.
ANTI-DEFAMATION LEAGUE 403(B) DEFINED CONTRIBUTION PLAN Total Employer Contribution and Match Rate
ANTI-DEFAMATION LEAGUE 403(B) DEFINED CONTRIBUTION PLAN Estimated Average Employer Match
Investing in this additonal $2,568.00 for 20 years would give you extra $164,374.00, 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.
ANTI-DEFAMATION LEAGUE 403(B) DEFINED CONTRIBUTION PLAN Contribution & Match Policy
ANTI-DEFAMATION LEAGUE 403(B) DEFINED CONTRIBUTION PLAN Contribution, Match and Other Plan Policies
- Each year, participants may contribute up to 100% of eligible compensation, as defined, into the Plan, up to the maximum allowed under the Code.
- For 2024 and 2023, the maximum deferral limit for a participant’s pre-tax and/or Roth after tax contributions was $23,000 and $22,500, respectively.
- Participants who have attained age 50 before the end of a Plan year are eligible to make catch up contributions.
- For 2024, the maximum pre-tax and/or Roth catch up contribution was $7,500.
- Newly hired or rehired employees are automatically enrolled in the Plan at a 6% pre-tax contribution rate unless they affirmatively elect not to participate in the Plan or otherwise adjust their contribution rate.
- Additionally, each calendar year, the pre-tax contribution rate automatically escalates by 1% of eligible compensation on the first day of each plan year up to a maximum percentage of 10%.
- Employer matching contributions are made on a bi-weekly basis.
- For the years ended December 31, 2024 and 2023, ADL matched 25% of the first 6% of employees’ elective deferrals.
- The Plan also provides for true up matching contributions which are determined on an annual Plan year basis.
- Employer non-matching contributions are made on an annual basis on behalf of each participant who is eligible for such contribution.
- For the Plan year ended December 31, 2024, the employer non-matching contribution was 2% of eligible employees’ compensation, as defined.
- Participants are vested immediately in their contributions, rollovers, and actual earnings.
- Vesting in the employer contribution portion (ADL matching and non-matching contributions) of their account is based on years of continuous service, as defined in the Plan document.
- A participant is 100% vested after three 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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