OPEN SOCIETY INSTITUTE RETIREMENT PLAN Contribution & Employer Match
How OPEN SOCIETY INSTITUTE Supports Your Retirement Savings
OPEN SOCIETY INSTITUTE provides retirement savings benefits through OPEN SOCIETY INSTITUTE 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.
OPEN SOCIETY INSTITUTE RETIREMENT PLAN Average Participant Retirement Account Value
OPEN SOCIETY INSTITUTE RETIREMENT PLAN Estimated Average Employee Contribution Amount
179,413.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,803.00 in OPEN SOCIETY INSTITUTE RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in OPEN SOCIETY INSTITUTE 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.
OPEN SOCIETY INSTITUTE RETIREMENT PLAN Total Employer Contribution and Match Rate
OPEN SOCIETY INSTITUTE RETIREMENT PLAN Estimated Average Employer Match
Investing in this additonal $5,781.00 for 20 years would give you extra $370,043.00, 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.
OPEN SOCIETY INSTITUTE RETIREMENT PLAN Contribution & Match Policy
1. Employee Contribution Rates: Participants may make tax-deferred elective contributions through Roth 403(b) after-tax contributions, subject to the limitations of the IRC.
2. Employer Match/Contribution Conditions: For participants under 45 years old, the employer contributes 10% of an employee’s compensation up to the maximum dollar limit set by the IRS. For participants age 45 and older, the employer contributes 15% of eligible compensation.
3. Vesting Schedule/Eligibility: Participants hired before April 1, 2007, are fully vested in their contributions and employer contributions. Participants hired on or after April 1, 2007, vest in employer contributions based on years of service: 0% for less than 2 years and 100% for 2 or more years.
4. Roth 401(k) Contribution: Yes, it allows Roth 403(b) after-tax contributions.
OPEN SOCIETY INSTITUTE RETIREMENT PLAN Maximum Match Calculator
This calculator helps to decide what's the minimum contribution you have to maximize your employer match.
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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