REGIS COLLEGE DC RETIREMENT PLAN Contribution & Employer Match
How REGIS COLLEGE Supports Your Retirement Savings
REGIS COLLEGE provides retirement savings benefits through REGIS COLLEGE DC 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.
REGIS COLLEGE DC RETIREMENT PLAN Average Participant Retirement Account Value
REGIS COLLEGE DC RETIREMENT PLAN Estimated Average Employee Contribution Amount
148,627.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,322.00 in REGIS COLLEGE DC RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in REGIS COLLEGE DC 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.
* 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.
REGIS COLLEGE DC RETIREMENT PLAN Contribution & Match Policy
REGIS COLLEGE DC RETIREMENT PLAN Contribution, Match and Other Plan Policies
- Each year, eligible participants may contribute a percentage up to 100% of pre-tax annual compensation, as defined by the Plan, up to the maximum allowed by the Internal Revenue Code (IRC).
- Participants who have attained age 50 before the end of the plan year are eligible to make catch-up contributions.
- Participants may also contribute amounts representing distributions from other qualified retirement plans (rollover contributions).
- The Plan allows for participants to make post-tax (Roth) contributions.
- The Plan provides for an employer non-elective contribution equal to a percentage the College determines annually for qualified employees.
- The non-elective contribution is based upon gross base of eligible salary as defined for all eligible employees.
- All contributions are subject to Internal Revenue Service (IRS) limitations.
- The College’s non-elective contribution for qualified employees enrolled in the Plan was 3.5% of eligible compensation during 2023.
- Effective September 1, 2023, the College suspended their non-elective contribution and none were made during 2024.
- Participants are immediately vested in their voluntary contributions and actual earnings thereon.
- Participants become fully vested in the College’s non-elective contributions, plus actual earnings thereon after two years of continuous service.
- Participants must accrue 1,000 hours of service during the plan year to receive a year of credited service.
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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