RESEARCH FOUNDATION OF THE CITY UNIVERSITY OF NEW YORK DEFINED CONTRIBUTION RETIREMENT PLAN Contribution & Employer Match

How RESEARCH FOUNDATION OF THE CITY UNIVERSITY OF NEW YORK Supports Your Retirement Savings

RESEARCH FOUNDATION OF THE CITY UNIVERSITY OF NEW YORK provides retirement savings benefits through RESEARCH FOUNDATION OF THE CITY UNIVERSITY OF NEW YORK DEFINED CONTRIBUTION 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.

RESEARCH FOUNDATION OF THE CITY UNIVERSITY OF NEW YORK DEFINED CONTRIBUTION RETIREMENT PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for RESEARCH FOUNDATION OF THE CITY UNIVERSITY OF NEW YORK DEFINED CONTRIBUTION RETIREMENT PLAN is $81,411.00

RESEARCH FOUNDATION OF THE CITY UNIVERSITY OF NEW YORK DEFINED CONTRIBUTION RETIREMENT PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for RESEARCH FOUNDATION OF THE CITY UNIVERSITY OF NEW YORK DEFINED CONTRIBUTION RETIREMENT PLAN is $61.00. If you contribute an amount exceeding this, you have saved more than your colleagues. Congratulations! Keep up the good work. Otherwise, you might want to consider contributing more to ensure a better retirement future.
3,912.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 61.00 in RESEARCH FOUNDATION OF THE CITY UNIVERSITY OF NEW YORK DEFINED CONTRIBUTION RETIREMENT PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in RESEARCH FOUNDATION OF THE CITY UNIVERSITY OF NEW YORK DEFINED CONTRIBUTION 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.

RESEARCH FOUNDATION OF THE CITY UNIVERSITY OF NEW YORK DEFINED CONTRIBUTION RETIREMENT PLAN Total Employer Contribution and Match Rate

In 2024, RESEARCH FOUNDATION OF THE CITY UNIVERSITY OF NEW YORK DEFINED CONTRIBUTION RETIREMENT PLAN allocates $14,400,143.00 to match its employees’ contributions, providing an employer match rate of 2055.66% of their contributions

RESEARCH FOUNDATION OF THE CITY UNIVERSITY OF NEW YORK DEFINED CONTRIBUTION RETIREMENT PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in RESEARCH FOUNDATION OF THE CITY UNIVERSITY OF NEW YORK DEFINED CONTRIBUTION RETIREMENT PLAN is approximately $1,261.00
Investing in this additonal $1,261.00 for 20 years would give you extra $80,743.00, 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.

RESEARCH FOUNDATION OF THE CITY UNIVERSITY OF NEW YORK DEFINED CONTRIBUTION RETIREMENT PLAN Contribution & Match Policy

RESEARCH FOUNDATION OF THE CITY UNIVERSITY OF NEW YORK DEFINED CONTRIBUTION RETIREMENT PLAN Plan Policies

RESEARCH FOUNDATION OF THE CITY UNIVERSITY OF NEW YORK DEFINED CONTRIBUTION RETIREMENT PLAN Contribution, Match and Other Plan Policies

  • The Plan allows for participant pretax contributions by means of regular payroll deductions and certain Foundation contributions as depicted in the schedule below.
  • 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 defined benefit or defined contribution plans (rollover).
  • Plan contributions as a percentage of compensation for Tier I employees (Hired prior to July 1, 1994): By the institution 11% of the first $16,500 of compensation, 14% of compensation above $16,500; By the participant 0%.
  • Plan contributions as a percentage of compensation for Tier II employees (Hired on or after July 1, 1994): Years of service Less than 8: By the institution 8%, By the participant 3%, Total 11%; Years 8 or more: By the institution 10%, By the participant 3%, Total 13%.
  • Plan contributions as a percentage of compensation for Tier III employees (Hired on or after January 1, 2000): Year 1: None; Years 2 and 3: By the institution 8%, By the participant None, Total 8%; Years 4 through 7: By the institution 8%, By the participant 3% of eligible compensation, Total 11%; Years 8 or more: By the institution 10%, By the participant 3% of eligible compensation, Total 13%.
  • Plan contributions as a percentage of compensation for Tier IV employees (Hired on or after January 1, 2009): Year 1: None; Years 2 through 7: By the institution 8%, By the participant None, Total 8%; Years 8 or more: By the institution 10%, By the participant None, Total 10%.
  • Participants are vested immediately in their contributions plus actual earnings thereon.
  • Vesting in the Foundation’s contribution portion of their accounts is based on respective tiers and years of continuous service.
  • Tier I and Tier II participants are fully vested in the Foundation’s contributions at all times.
  • Tier III and Tier IV participants are fully vested in the Foundation’s contributions after completion of three years 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:

 20242025
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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