FORDHAM UNIVERSITY RETIREMENT PLAN Contribution & Employer Match

How FORDHAM UNIVERSITY Supports Your Retirement Savings

FORDHAM UNIVERSITY provides retirement savings benefits through FORDHAM UNIVERSITY 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.

FORDHAM UNIVERSITY RETIREMENT PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for FORDHAM UNIVERSITY RETIREMENT PLAN is $287,283.00

FORDHAM UNIVERSITY RETIREMENT PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for FORDHAM UNIVERSITY RETIREMENT PLAN is $9,463.00. 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.
605,649.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 9,463.00 in FORDHAM UNIVERSITY RETIREMENT PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in FORDHAM UNIVERSITY 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.

FORDHAM UNIVERSITY RETIREMENT PLAN Total Employer Contribution and Match Rate

In 2024, FORDHAM UNIVERSITY RETIREMENT PLAN allocates $23,715,883.00 to match its employees’ contributions, providing an employer match rate of 86.66% of their contributions

FORDHAM UNIVERSITY RETIREMENT PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in FORDHAM UNIVERSITY RETIREMENT PLAN is approximately $4,100.00
Investing in this additonal $4,100.00 for 20 years would give you extra $262,416.00, 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.

FORDHAM UNIVERSITY RETIREMENT PLAN Contribution & Match Policy

FORDHAM UNIVERSITY RETIREMENT PLAN Plan Policies

FORDHAM UNIVERSITY RETIREMENT PLAN Contribution, Match and Other Plan Policies

  • Participants may make tax-deferred elective contributions to the Plan as soon as administratively feasible after their entry date, subject to the limitations of the IRC, which is $23,000 and $22,500 in 2024 and 2023, respectively.
  • Employees who were at least age 50 by the end of the plan year could contribute additional amounts up to $7,500 in each of the years 2024 and 2023.
  • Participants may also contribute amounts representing rollovers from other qualified plans.
  • Non-union participants are required to contribute a minimum of 5% of base salary, as a condition of continued employment and to receive employer contributions, once they are at least age 30 and have accumulated one year of service.
  • Once a non-union participant has met the age, years of service, and contribution requirements, the Plan Sponsor will contribute 5% of an employee’s eligible compensation up to the Social Security Wage Base in effect during the calendar year in which contributions are made and 10% of an employee’s eligible compensation above the Social Security Wage Base.
  • After five years of service, the Plan Sponsor contribution will increase to 11% of an employee’s eligible compensation.
  • Eligible compensation upon which contributions are calculated under the Plan cannot exceed the limitations of the IRC.
  • Pursuant to the Board resolution of September 28, 2023 to amend the Plan for eligible Faculty and Administrators hired on or after January 1, 2024, the Plan Sponsor will contribute 5% of the base compensation for employees with less than five years of service, 8% of base compensation for employees with five years or more but less than 10 years of service, and 10% for employees with 10 or more years of service.
  • Participants are fully and immediately vested in the benefits arising from all contributions made under this Plan and earnings or loss 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:

 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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