COLUMBIA COLLEGE CHICAGO EMPLOYEES’ RETIREMENT PLAN Contribution & Employer Match
How COLUMBIA COLLEGE CHICAGO Supports Your Retirement Savings
COLUMBIA COLLEGE CHICAGO provides retirement savings benefits through COLUMBIA COLLEGE CHICAGO EMPLOYEES’ 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.
COLUMBIA COLLEGE CHICAGO EMPLOYEES’ RETIREMENT PLAN Average Participant Retirement Account Value
COLUMBIA COLLEGE CHICAGO EMPLOYEES’ RETIREMENT PLAN Estimated Average Employee Contribution Amount
88,459.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 1,382.00 in COLUMBIA COLLEGE CHICAGO EMPLOYEES’ RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in COLUMBIA COLLEGE CHICAGO EMPLOYEES’ 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.
COLUMBIA COLLEGE CHICAGO EMPLOYEES’ RETIREMENT PLAN Total Employer Contribution and Match Rate
COLUMBIA COLLEGE CHICAGO EMPLOYEES’ RETIREMENT PLAN Estimated Average Employer Match
Investing in this additonal $1,464.00 for 20 years would give you extra $93,700.00, 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.
COLUMBIA COLLEGE CHICAGO EMPLOYEES’ RETIREMENT PLAN Contribution & Match Policy
COLUMBIA COLLEGE CHICAGO EMPLOYEES’ RETIREMENT PLAN Contribution, Match and Other Plan Policies
- Employees are automatically enrolled in the Plan at a contribution level equal to 2% of eligible compensation unless the employee, within 30 days from their hire date, elects to contribute a different whole percentage or zero.
- Participants may elect to defer to the Plan a minimum of $200 per plan year or up to 100% of their compensation, in increments of 1%, on a pre-tax basis up to the maximum allowed under Section 402(g) of the Internal Revenue Code ("IRC").
- For the year ended December 31, 2024, the College contributed approximately 6.98% of qualified compensation to the Plan.
- The College contribution percentage allocated to each participant’s account is determined by the participant’s age and years of service.
- Participants are immediately vested in their contributions plus actual earnings thereon.
- A participant becomes 100% vested in employer contributions after completing three years of vesting 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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