ELLUCIAN RETIREMENT PLAN Contribution & Employer Match
How ELLUCIAN HOLDINGS INC. Supports Your Retirement Savings
ELLUCIAN HOLDINGS INC. provides retirement savings benefits through ELLUCIAN 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.
ELLUCIAN RETIREMENT PLAN Average Participant Retirement Account Value
ELLUCIAN RETIREMENT PLAN Estimated Average Employee Contribution Amount
508,629.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 7,947.00 in ELLUCIAN RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in ELLUCIAN 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.
ELLUCIAN RETIREMENT PLAN Total Employer Contribution and Match Rate
ELLUCIAN RETIREMENT PLAN Estimated Average Employer Match
Investing in this additonal $2,088.00 for 20 years would give you extra $133,666.00, 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.
ELLUCIAN RETIREMENT PLAN Contribution & Match Policy
ELLUCIAN RETIREMENT PLAN Contribution, Match and Other Plan Policies
- Each year, participants may contribute from 1% to 100% of their eligible compensation on a combined pre-tax and/or Roth after-tax basis as defined in the plan document.
- Contributions are subject to certain Internal Revenue Service ("IRS") limitations.
- Participants who will attain age 50 before the end of the plan year are eligible to make catch-up contributions, on a combined pre-tax and Roth after-tax basis.
- The maximum rate of contribution is 100% of eligible compensation up to the IRS combined limit of $23,000 and $22,500 for the 2024 and 2023 plan years, respectively ($30,500 and $30,000 for participants 50 and older, respectively).
- New employees are automatically enrolled in the Plan at a pre-tax contribution rate of 4% via payroll deduction with contributions being directed to a target date retirement fund, chosen based on the employee’s age and projected retirement date.
- The automatic deferral amount increases each year by 1% up to a maximum of 15% of eligible compensation unless otherwise designated by the participant.
- The Company discretionary matching contributions are made on pre-tax and Roth after-tax contributions at 50% of each participant contribution up to 6% that each participant contributes to the Plan on a combined basis.
- Participants are immediately vested in their contributions and the Company’s contributions plus 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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