MARIST COLLEGE DEFINED CONTRIBUTION RETIREMENT PLAN Contribution & Employer Match

How MARIST COLLEGE Supports Your Retirement Savings

MARIST COLLEGE provides retirement savings benefits through MARIST COLLEGE DEFINED CONTRIBUTION 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.

MARIST COLLEGE DEFINED CONTRIBUTION RETIREMENT PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for MARIST COLLEGE DEFINED CONTRIBUTION RETIREMENT PLAN is $177,771.00

MARIST COLLEGE DEFINED CONTRIBUTION RETIREMENT PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for MARIST COLLEGE DEFINED CONTRIBUTION RETIREMENT PLAN is $2,964.00. 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.
189,702.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,964.00 in MARIST COLLEGE DEFINED CONTRIBUTION RETIREMENT PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in MARIST COLLEGE DEFINED CONTRIBUTION 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.

MARIST COLLEGE DEFINED CONTRIBUTION RETIREMENT PLAN Total Employer Contribution and Match Rate

In 2024, MARIST COLLEGE DEFINED CONTRIBUTION RETIREMENT PLAN allocates $6,994,877.00 to match its employees’ contributions, providing an employer match rate of 121.74% of their contributions

MARIST COLLEGE DEFINED CONTRIBUTION RETIREMENT PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in MARIST COLLEGE DEFINED CONTRIBUTION RETIREMENT PLAN is approximately $3,637.00
Investing in this additonal $3,637.00 for 20 years would give you extra $232,798.00, 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.

MARIST COLLEGE DEFINED CONTRIBUTION RETIREMENT PLAN Contribution & Match Policy

MARIST COLLEGE DEFINED CONTRIBUTION RETIREMENT PLAN Plan Policies

MARIST COLLEGE DEFINED CONTRIBUTION RETIREMENT PLAN Contribution, Match and Other Plan Policies

  • Eligible participants are permitted to elect to have a percentage, limited by Plan provisions, of their compensation contributed as pretax or Roth contributions to the Plan.
  • Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
  • Also, participants with 15 years of service are eligible for Special Code 403(b) catch up contributions.
  • Employees are eligible to make deferrals to the Plan immediately upon hire pursuant to a salary reduction agreement.
  • Mandatory employee contributions are required after completing one year of service.
  • Participants with less than 7 years of service contribute 4% of eligible compensation and those with 7 or more years of service contribute 1% of eligible compensation.
  • The Employer will also make nonelective contributions to the Plan.
  • Participants must be making mandatory employee contributions to be eligible.
  • Contributions are calculated as a percentage of eligible compensation (as defined by the Plan) based on a participant’s years of service.
  • Participants with less than 7 years of service receive 7.5% of eligible compensation, those with 7 to 15 years of service receive 10.5% of eligible compensation and those with over 15 years of service receive 12% of eligible compensation.
  • Participants are immediately vested in all 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:

 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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