CALDWELL UNIVERSITY DEFINED CONTRIBUTION RETIREMENT PLAN Contribution & Employer Match
How CALDWELL UNIVERSITY Supports Your Retirement Savings
CALDWELL UNIVERSITY provides retirement savings benefits through CALDWELL UNIVERSITY DEFINED CONTRIBUTION RETIREMENT 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.
CALDWELL UNIVERSITY DEFINED CONTRIBUTION RETIREMENT PLAN Average Participant Retirement Account Value
CALDWELL UNIVERSITY DEFINED CONTRIBUTION RETIREMENT PLAN Estimated Average Employee Contribution Amount
172,204.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,690.00 in CALDWELL UNIVERSITY DEFINED CONTRIBUTION RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in CALDWELL UNIVERSITY DEFINED CONTRIBUTION RETIREMENT 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.
CALDWELL UNIVERSITY DEFINED CONTRIBUTION RETIREMENT PLAN Total Employer Contribution and Match Rate
CALDWELL UNIVERSITY DEFINED CONTRIBUTION RETIREMENT PLAN Estimated Average Employer Match
Investing in this additonal $472.00 for 20 years would give you extra $30,209.00, 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.
CALDWELL UNIVERSITY DEFINED CONTRIBUTION RETIREMENT PLAN Contribution & Match Policy
CALDWELL UNIVERSITY DEFINED CONTRIBUTION RETIREMENT PLAN Contribution, Match and Other Plan Policies
- Participants may make tax-deferred elective contributions to the Plan after their date of eligibility, subject to the limitations of the Internal Revenue Code (IRC).
- Participants age 50 or older or who attain age 50 during the Plan year may make a catch-up contribution as defined by the IRC.
- In addition, participants having 15 years of service are permitted to make a qualified catch-up contribution as defined by the IRC.
- The Plan allows for matching contributions which will be made to participants that complete one year of service during the Plan year, attain age 18 and have elective deferrals that equal or exceed 2% of eligible compensation.
- The University will match 2% of eligible compensation.
- A participant is 100% vested in their accounts including allocated earnings thereon at all times.
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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