REGIONAL DISTRICT COUNCIL RETIREMENT PLAN Contribution & Employer Match
How BOARD OF TRUSTEES, REGIONAL DISTRICT COUNCIL RETIREMENT PLAN Supports Your Retirement Savings
BOARD OF TRUSTEES, REGIONAL DISTRICT COUNCIL RETIREMENT PLAN provides retirement savings benefits through REGIONAL DISTRICT COUNCIL 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.
REGIONAL DISTRICT COUNCIL RETIREMENT PLAN Average Participant Retirement Account Value
REGIONAL DISTRICT COUNCIL RETIREMENT PLAN Estimated Average Employee Contribution Amount
296.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4.00 in REGIONAL DISTRICT COUNCIL RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in REGIONAL DISTRICT COUNCIL 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.
REGIONAL DISTRICT COUNCIL RETIREMENT PLAN Total Employer Contribution and Match Rate
REGIONAL DISTRICT COUNCIL RETIREMENT PLAN Estimated Average Employer Match
Investing in this additonal $985.00 for 20 years would give you extra $63,049.00, 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.
REGIONAL DISTRICT COUNCIL RETIREMENT PLAN Contribution & Match Policy
REGIONAL DISTRICT COUNCIL RETIREMENT PLAN Contribution, Match and Other Plan Policies
- Effective September 1, 2015, participants can elect to make contributions to the Plan.
- The Plan allows participants who have worked one hour in covered employment, on or after that date, to contribute pre-tax wages to their 401(k) account.
- The participant may elect to contribute between fifty cents and seven dollars, per hour, in fifty cent increments for each hour worked under covered employment.
- The amount contributed annually by participants may not exceed the maximum allowable under federal income tax regulations.
- Participants are immediately vested in their account balance.
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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