ENDICOTT COLLEGE DC RETIREMENT PLAN Contribution & Employer Match
How ENDICOTT COLLEGE Supports Your Retirement Savings
ENDICOTT COLLEGE provides retirement savings benefits through ENDICOTT COLLEGE DC 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.
ENDICOTT COLLEGE DC RETIREMENT PLAN Average Participant Retirement Account Value
ENDICOTT COLLEGE DC RETIREMENT PLAN Estimated Average Employee Contribution Amount
142,571.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,227.00 in ENDICOTT COLLEGE DC RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in ENDICOTT COLLEGE DC 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.
ENDICOTT COLLEGE DC RETIREMENT PLAN Total Employer Contribution and Match Rate
ENDICOTT COLLEGE DC RETIREMENT PLAN Estimated Average Employer Match
Investing in this additonal $1,831.00 for 20 years would give you extra $117,233.00, 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.
ENDICOTT COLLEGE DC RETIREMENT PLAN Contribution & Match Policy
ENDICOTT COLLEGE DC RETIREMENT PLAN Contribution, Match and Other Plan Policies
- The VSRP permits eligible employees to voluntarily defer a portion of their salary on a pre-tax basis.
- Participants eligible for the EMCP are automatically enrolled at a rate of 2% of their compensation unless directed otherwise by the participant.
- Plan participants receive an employer contribution from the College equal to 6% of their compensation under the VSRP.
- Under the EMCP, participants voluntarily contributing at least 2% of their compensation receive an additional College contribution of 2% of base pay (bonuses, overtime and stipends are excluded from the College’s contributions), not to exceed the maximum annual contribution allowed by the Internal Revenue Service ("IRS").
- Participants contributing 1% of their compensation receive an additional College contribution of 1% of their base pay.
- Participants are immediately vested in all contributions plus 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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