RESTON ASSOCIATION RETIREMENT SAVINGS PLAN Contribution & Employer Match
How RESTON ASSOCIATION Supports Your Retirement Savings
RESTON ASSOCIATION provides retirement savings benefits through RESTON ASSOCIATION RETIREMENT SAVINGS 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.
RESTON ASSOCIATION RETIREMENT SAVINGS PLAN Average Participant Retirement Account Value
RESTON ASSOCIATION RETIREMENT SAVINGS PLAN Estimated Average Employee Contribution Amount
217,168.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,393.00 in RESTON ASSOCIATION RETIREMENT SAVINGS PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in RESTON ASSOCIATION RETIREMENT SAVINGS 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.
RESTON ASSOCIATION RETIREMENT SAVINGS PLAN Total Employer Contribution and Match Rate
RESTON ASSOCIATION RETIREMENT SAVINGS PLAN Estimated Average Employer Match
Investing in this additonal $2,692.00 for 20 years would give you extra $172,315.00, 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.
RESTON ASSOCIATION RETIREMENT SAVINGS PLAN Contribution & Match Policy
RESTON ASSOCIATION RETIREMENT SAVINGS PLAN Contribution, Match and Other Plan Policies
- Participants may elect to defer up to 100% a portion of pre-tax or post-tax eligible compensation into the Plan, up to the maximum allowed by the Internal Revenue Code.
- In addition, the Plan allows for catch up contributions by employees aged 50 years and older before the end of the Plan year.
- The Company provides a safe harbor matching contribution at 100% of the participant’s elective deferral up to the first 6%.
- Participants are immediately vested in their deferral and rollover contributions and the Company’s safe harbor matching contributions plus actual earnings thereon.
- Vesting in the Company’s discretionary match portion plus actual earnings thereon is based on years of service.
- A participant is 100% vested after five years of credited service, participant must work at least 1000 hours per year to attain one year of credited service.
- In addition, participants become 100% vested in the case of death or permanent disability.
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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