MUFG UNION BANK N.A. 401(K) PLAN AND TRUST Contribution & Employer Match
How MUFG UNION BANK, N.A. Supports Your Retirement Savings
MUFG UNION BANK, N.A. provides retirement savings benefits through MUFG UNION BANK N.A. 401(K) PLAN AND TRUST. 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.
MUFG UNION BANK N.A. 401(K) PLAN AND TRUST Average Participant Retirement Account Value
MUFG UNION BANK N.A. 401(K) PLAN AND TRUST Estimated Average Employee Contribution Amount
498,150.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 7,783.00 in MUFG UNION BANK N.A. 401(K) PLAN AND TRUST, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in MUFG UNION BANK N.A. 401(K) PLAN AND TRUST
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.
MUFG UNION BANK N.A. 401(K) PLAN AND TRUST Total Employer Contribution and Match Rate
MUFG UNION BANK N.A. 401(K) PLAN AND TRUST Estimated Average Employer Match
Investing in this additonal $3,179.00 for 20 years would give you extra $203,504.00, 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.
MUFG UNION BANK N.A. 401(K) PLAN AND TRUST Contribution & Match Policy
1. Employee Contribution Rates: Employees may contribute between 1% and 75% of their eligible compensation.
2. Employer Match/Contribution Conditions: The employer matches 100% of employee contributions for the first 3% of eligible pay and 50% for the next 2%, with a maximum matching contribution of 4% of eligible pay.
3. Vesting Schedule/Eligibility: All contributions, including employer matching contributions, are fully vested and nonforfeitable at all times. To be eligible for the annual matching contribution, participants must be employed on the last business day of the Plan year or have experienced a qualified midyear retirement or layoff.
4. Roth 401(k) contributions are allowed.
MUFG UNION BANK N.A. 401(K) PLAN AND TRUST Maximum Employer Match Calculator
This calculator helps participants of MUFG UNION BANK N.A. 401(K) PLAN AND TRUST to calculate the minimal bi-weekly contribution that would generate the maximum employer match allowed. It takes into account IRS annual contribution limits. Please update the annual contribution limits below if they are outdated.
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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