REDISCOVER RETIREMENT PLAN Contribution & Employer Match
How REDISCOVER Supports Your Retirement Savings
REDISCOVER provides retirement savings benefits through REDISCOVER 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.
REDISCOVER RETIREMENT PLAN Average Participant Retirement Account Value
REDISCOVER RETIREMENT PLAN Estimated Average Employee Contribution Amount
212,128.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,314.00 in REDISCOVER RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in REDISCOVER 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.
REDISCOVER RETIREMENT PLAN Total Employer Contribution and Match Rate
REDISCOVER RETIREMENT PLAN Estimated Average Employer Match
Investing in this additonal $949.00 for 20 years would give you extra $60,755.00, 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.
REDISCOVER RETIREMENT PLAN Contribution & Match Policy
REDISCOVER RETIREMENT PLAN Contribution, Match and Other Plan Policies
- Participants may elect to contribute up to 100% of their annual compensation, as defined in the Plan, subject to certain Internal Revenue Code ("IRC") provisions as a pre-tax deferral or as an after-tax Roth deferral.
- Non-Roth after tax employee deferrals are also allowed.
- New participants will be automatically enrolled at 6% pre-tax deferral, unless a contrary election is made.
- Participants automatically enrolled will also have their election increased by 1% each March 1 up to a maximum of 10%.
- Participants who are at least age 50 before the end of the Plan year may elect to make catch-up contributions.
- The employer makes a fixed matching contribution equal to 50% of participant deferrals up to a maximum of 6% of compensation.
- Employer match is made each pay period but calculated on an annual basis.
- Participants’ contributions are always 100% vested.
- Employer fixed matching contributions become 100% vested after 3 years of service.
- A participant must work 1,000 hours to be credited with a year of service.
- In the event of permanent disability, death, reaching normal retirement age (as defined in the Plan), or termination of the Plan, the employer contributions will become fully vested.
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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