CAIS MULTIPLE EMPLOYER PLAN Contribution & Employer Match

How CONNECTICUT ASSOCIATION OF INDEPENDENT SCHOOLS, INC Supports Your Retirement Savings

CONNECTICUT ASSOCIATION OF INDEPENDENT SCHOOLS, INC provides retirement savings benefits through CAIS MULTIPLE EMPLOYER 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.

CAIS MULTIPLE EMPLOYER PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for CAIS MULTIPLE EMPLOYER PLAN is $117,383.00

CAIS MULTIPLE EMPLOYER PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for CAIS MULTIPLE EMPLOYER PLAN is $4,370.00. 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.
279,686.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,370.00 in CAIS MULTIPLE EMPLOYER PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in CAIS MULTIPLE EMPLOYER 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.

CAIS MULTIPLE EMPLOYER PLAN Total Employer Contribution and Match Rate

In 2024, CAIS MULTIPLE EMPLOYER PLAN allocates $3,317,282.00 to match its employees’ contributions, providing an employer match rate of 69.39% of their contributions

CAIS MULTIPLE EMPLOYER PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in CAIS MULTIPLE EMPLOYER PLAN is approximately $1,516.00
Investing in this additonal $1,516.00 for 20 years would give you extra $97,032.00, 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.

CAIS MULTIPLE EMPLOYER PLAN Contribution & Match Policy

CAIS MULTIPLE EMPLOYER PLAN Plan Policies

CAIS MULTIPLE EMPLOYER PLAN Contribution, Match and Other Plan Policies

  • Based upon the Plan options that each Participating Employer selects in its adoption agreement, eligible participants are permitted to elect to have a percentage or dollar value of their compensation contributed as pre-tax 403(b) or Roth contributions to the Plan.
  • The Plan allows for 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.
  • If a participating employer elects to allow automatic enrollment, participants will have their deferral rate set at the employer elected percentage of eligible compensation, and their contributions invested in the designated default fund until changed by the participant.
  • The Participating Employer may elect to allow participants who have attained age 50 before the end of the Plan year to make catch-up contributions.
  • The Participating Employer, as elected in their adoption agreement, may elect to make a qualified matching contribution, safe-harbor contribution, and/or nonelective contributions (employer contributions) to the Plan.
  • Vesting in the Employer contributions portion of their accounts, plus actual earning thereon, is based on the election by each participating employer in their adoption agreement.
  • Notwithstanding the above, a participant is fully vested upon reaching normal retirement age, death, or permanent disability.

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.

Get Key Insights for This Plan

Join our community and get data-driven insights about CAIS MULTIPLE EMPLOYER PLAN. See how it compares to peer companies in fees, match generosity, and investment quality as soon as our new ranking reports go live.

Notify Me When Ratings Go Live

Explore More Plan Resources

Plan Login Directory Employer Match Guide Rollover Options Hub

Recent Articles

More Articles

Puzzled on what to invest?

  • We ask a few questions to decide your personal return and risk expectations
  • We build a custom portfolio for your plan (401(k), 403(b), 529 …) or for a  brokerage account
  • We monitor and send timely rebalance emails on what investment funds to buy and sell

Get Started

Looking for ideas to generate income?

  • ETF or mutual fund income portfolios for 4-7% annual income
  • Dividend stock funds
  • Passive real estate investments
  • more …

Click for tips and plans for income

Portfolio Calculator (Simulator)

Quickly enter fund allocation and get a back test result on the performance of this ‘lazy’ portfolio.

Customize Asset Allocation Portfolios

Build a custom model portfolio using our asset strategic or tactical strategies, tailored to a 401(k) plan or for a brokerage account.

Retirement Calculator

See how much you can save for retirement.

Investment Calculator

Grow your wealth and see the power of compounding.


Looking for a (forgotten) 401(k)?

Find plan contact info, plan expenses, investment options, rollover your old plan, or learn how to select investments on your 401k plan …

Keep researching CAIS MULTIPLE EMPLOYER PLAN

Use the links below to move from this plan page into calculators, related retirement articles, and comparable plans in a similar industry or size band. That gives you a faster way to compare match design, fees, investments, and savings strategy in context.

Related Calculators

Related Plans