IRC 403(B) RETIREMENT SAVINGS PLAN Contribution & Employer Match

How INTERNATIONAL RESCUE COMMITTEE Supports Your Retirement Savings

INTERNATIONAL RESCUE COMMITTEE provides retirement savings benefits through IRC 403(B) RETIREMENT SAVINGS 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.

IRC 403(B) RETIREMENT SAVINGS PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for IRC 403(B) RETIREMENT SAVINGS PLAN is $49,847.00

IRC 403(B) RETIREMENT SAVINGS PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for IRC 403(B) RETIREMENT SAVINGS PLAN is $4,610.00. 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.
295,098.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,610.00 in IRC 403(B) RETIREMENT SAVINGS PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in IRC 403(B) RETIREMENT SAVINGS 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.

IRC 403(B) RETIREMENT SAVINGS PLAN Total Employer Contribution and Match Rate

In 2024, IRC 403(B) RETIREMENT SAVINGS PLAN allocates $18,952,706.00 to match its employees’ contributions, providing an employer match rate of 102.03% of their contributions

IRC 403(B) RETIREMENT SAVINGS PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in IRC 403(B) RETIREMENT SAVINGS PLAN is approximately $3,731.00
Investing in this additonal $3,731.00 for 20 years would give you extra $238,821.00, 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.

IRC 403(B) RETIREMENT SAVINGS PLAN Contribution & Match Policy

IRC 403(B) RETIREMENT SAVINGS PLAN Plan Policies

IRC 403(B) RETIREMENT SAVINGS PLAN Contribution, Match and Other Plan Policies

  • Each year, participants may contribute up to 50% of their annual compensation on a pre or after tax basis up to the applicable dollar amount which is established annually by the Internal Revenue Service ("IRS"), as defined in the Plan document.
  • The Plan has an auto-enrollment provision whereby all newly eligible employees were automatically enrolled in the Plan unless they affirmatively elected not to participate in the Plan.
  • Automatically enrolled participants will have their deferral rate set at 3% of their eligible compensation and their contributions will be invested in a target date fund that has a targeted retirement date nearest to the participant’s attainment of age 65.
  • Annually, the auto enrollment deferral rate will be increased by 1% each year until a maximum of 15% has been reached which applies to all participants contributing at least 1% unless they opt out.
  • Participants who have attained age 50 before the end of the plan year are eligible to make catch-up contributions up to the statutorily permitted amount.
  • The IRC will make safe-harbor matching contributions for participants who make contributions up to 6% of their compensation.
  • The rate of company matching contributions is 100% of the participant contributions up to 3% of compensation; plus 50% of the participant contributions on the next 3% of compensation.
  • Vesting schedule:
  • 3+ years: 100%

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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