EMORY UNIVERSITY RETIREMENT PLAN Contribution & Employer Match

EMORY UNIVERSITY RETIREMENT PLAN Contribution & Employer Match

EMORY UNIVERSITY DIVISION OF HUMAN RESOURCES provides the following retirement savings benefits to its employees:

EMORY UNIVERSITY RETIREMENT PLAN Average Participant Retirement Account Value

In 2023, the average participant retirement account value for EMORY UNIVERSITY RETIREMENT PLAN is $142,314.00

EMORY UNIVERSITY RETIREMENT PLAN Estimated Average Employee Contribution Amount

In 2023, the estimated average employee contribution amount per participant for EMORY UNIVERSITY RETIREMENT PLAN is $2,712.00. 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.
173,619.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,712.00 in EMORY UNIVERSITY RETIREMENT PLAN, assuming a 10%* annual return.

2023 & 2024 401(k) contribution limits by IRS

 Pretax and roth employee contributionsEmployee and employer contributions combinedCatch-up contributions (in addition to the employee and employer combined limit, age 50 and over)
401(k) contribution limit for 2023$22,500$66,000$7,500
401(k) contribution limit for 2024$23,000$69,000$7,500

$1,440,056: this is the amount you will have saved 20 years later if you contribute the maximum of $22,500 annually for 20 years, assuming a 10%* annual return.

$4,224,165: for those who can maximize employee and employer annual $66,000 contributions for 20 years, assuming a 10%* annual return, you will be 3 times richer!

Use the 401(k) Savings Calculator to determine how much your contributions will accumulate over time.

Employer match in EMORY UNIVERSITY RETIREMENT PLAN

An employer match is deemed as ‘free’ money wherein your employer contributes additional funds to your allocated retirement savings plan. The matching amount can frequently be several percentage points of your compensation. Don’t avoid this free salary ‘raise’.

EMORY UNIVERSITY RETIREMENT PLAN Total Employer Contribution and Match Rate

In 2023, EMORY UNIVERSITY RETIREMENT PLAN allocates $109,401,057.00 to match its employees' contributions, providing an employer match rate of 110.25% of their contributions

EMORY UNIVERSITY RETIREMENT PLAN Estimated Average Employer Match

In 2023, the estimated average employer match for an employee in EMORY UNIVERSITY RETIREMENT PLAN is approximately $3,154.00
Investing in this additonal $3,154.00 for 20 years would give you extra $201,864.00, assuming a 10% annual return.

EMORY UNIVERSITY RETIREMENT PLAN Contribution & Match Policy

1. Employee Contribution Rates: Employees can contribute from 1% to 100% of their salary (in 1% increments) of pre-tax compensation. They may also contribute up to 100% of post-tax compensation to a Roth account.

2. Employer Match/Contribution Conditions: The employer matches contributions equal to 150% of the first 2% of each eligible employee's compensation deferred. The employer also makes a basic contribution of 6% of each employee's eligible compensation, regardless of whether the participant made salary deferral contributions.

3. Vesting Schedule/Eligibility: Participants are fully vested at all times in their voluntary contributions. Participants who entered the Plan prior to December 31, 2002, are fully vested in all employer contributions. Participants who entered on or after December 31, 2002, vest in university matching contributions after three years of service and in the basic contribution after five years of service. Participants are eligible for university contributions after completing one year of service and reaching age 21.

4. Roth 401(k) Contribution: The plan allows Roth 401(k) contributions.

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