CAMBRIDGE EDUCATION GROUP RETIREMENT PLAN Contribution & Employer Match
How CAMBRIDGE EDUCATION GROUP HOLDINGS, INC. Supports Your Retirement Savings
CAMBRIDGE EDUCATION GROUP HOLDINGS, INC. provides retirement savings benefits through CAMBRIDGE EDUCATION GROUP 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.
CAMBRIDGE EDUCATION GROUP RETIREMENT PLAN Average Participant Retirement Account Value
CAMBRIDGE EDUCATION GROUP RETIREMENT PLAN Estimated Average Employee Contribution Amount
83,984.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 1,312.00 in CAMBRIDGE EDUCATION GROUP RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in CAMBRIDGE EDUCATION GROUP 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.
CAMBRIDGE EDUCATION GROUP RETIREMENT PLAN Total Employer Contribution and Match Rate
CAMBRIDGE EDUCATION GROUP RETIREMENT PLAN Estimated Average Employer Match
Investing in this additonal $719.00 for 20 years would give you extra $46,036.00, 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.
CAMBRIDGE EDUCATION GROUP RETIREMENT PLAN Contribution & Match Policy
CAMBRIDGE EDUCATION GROUP RETIREMENT PLAN Contribution, Match and Other Plan Policies
- Each year, participants may contribute an amount up to a certain percentage of their pretax annual compensation, as defined in the Plan.
- Participants who have attained the age of 50 before the end of the Plan year are eligible to make catch-up contributions as prescribed by Treasury regulations.
- Participants may designate a portion, or all, of their deferred contributions as Roth contributions, which are includable in the participant’s gross income.
- The Company has elected to make safe harbor employer matching contributions in an amount equal to 100% on the first 5% of eligible compensation that a participant contributes to the Plan.
- These contributions satisfy certain Internal Revenue Code (IRC) requirements and eliminate the need for the Plan to perform certain annual non-discrimination tests.
- Participants are 100% vested in these contributions when made.
- Participants are immediately vested in their voluntary contributions, employer contributions, and any actual earnings thereon.
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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