CATHOLIC CHARITIES OF THE DIOCESE OF ROCHESTER, INC. 403(B) PLAN Contribution & Employer Match

How CATHOLIC CHARITIES OF THE DIOCESE OF ROCHESTER, INC. Supports Your Retirement Savings

CATHOLIC CHARITIES OF THE DIOCESE OF ROCHESTER, INC. provides retirement savings benefits through CATHOLIC CHARITIES OF THE DIOCESE OF ROCHESTER, INC. 403(B) 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.

CATHOLIC CHARITIES OF THE DIOCESE OF ROCHESTER, INC. 403(B) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for CATHOLIC CHARITIES OF THE DIOCESE OF ROCHESTER, INC. 403(B) PLAN is $5,158.00

CATHOLIC CHARITIES OF THE DIOCESE OF ROCHESTER, INC. 403(B) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for CATHOLIC CHARITIES OF THE DIOCESE OF ROCHESTER, INC. 403(B) PLAN is $2,820.00. 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.
180,504.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,820.00 in CATHOLIC CHARITIES OF THE DIOCESE OF ROCHESTER, INC. 403(B) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in CATHOLIC CHARITIES OF THE DIOCESE OF ROCHESTER, INC. 403(B) 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.

CATHOLIC CHARITIES OF THE DIOCESE OF ROCHESTER, INC. 403(B) PLAN Total Employer Contribution and Match Rate

In 2024, CATHOLIC CHARITIES OF THE DIOCESE OF ROCHESTER, INC. 403(B) PLAN allocates $1,330,512.00 to match its employees’ contributions, providing an employer match rate of 62.28% of their contributions

CATHOLIC CHARITIES OF THE DIOCESE OF ROCHESTER, INC. 403(B) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in CATHOLIC CHARITIES OF THE DIOCESE OF ROCHESTER, INC. 403(B) PLAN is approximately $878.00
Investing in this additonal $878.00 for 20 years would give you extra $56,206.00, 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.

CATHOLIC CHARITIES OF THE DIOCESE OF ROCHESTER, INC. 403(B) PLAN Contribution & Match Policy

CATHOLIC CHARITIES OF THE DIOCESE OF ROCHESTER, INC. 403(B) PLAN Plan Policies

CATHOLIC CHARITIES OF THE DIOCESE OF ROCHESTER, INC. 403(B) PLAN Contribution, Match and Other Plan Policies

  • Participants may elect to defer pre-tax and Roth contributions to the Plan subject to certain limitations of the Plan and the Internal Revenue Code (IRC).
  • Effective in 2023, the Plan was amended to include an automatic enrollment provision.
  • Newly eligible employees who have not otherwise affirmatively opted out of enrolling in the Plan are automatically enrolled with an automatic deferral amount of 5% of eligible compensation.
  • This deferral amount increases 1% annually on the first day of the Plan year, up to a maximum of 10%.
  • Per diem employees are excluded from the automatic deferral provisions.
  • In addition, all seasonal employees hired on or after June 1, 2023 are excluded from the automatic deferral provisions.
  • CCDR and other participating organizations may make discretionary matching contributions to the Plan.
  • For the 2024 and 2023 Plan years, no matching contributions were made to the Plan.
  • Participants are immediately vested in their voluntary contributions and actual earnings/losses thereon.
  • Participants are fully vested in employer matching and nonelective contributions and actual earnings/losses thereon upon completion of 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:

 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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