ROGER WILLIAMS UNIVERSITY RETIREMENT PLAN Contribution & Employer Match
How ROGER WILLIAMS UNIVERSITY Supports Your Retirement Savings
ROGER WILLIAMS UNIVERSITY provides retirement savings benefits through ROGER WILLIAMS UNIVERSITY 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.
ROGER WILLIAMS UNIVERSITY RETIREMENT PLAN Average Participant Retirement Account Value
ROGER WILLIAMS UNIVERSITY RETIREMENT PLAN Estimated Average Employee Contribution Amount
113,062.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 1,766.00 in ROGER WILLIAMS UNIVERSITY RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in ROGER WILLIAMS UNIVERSITY 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.
ROGER WILLIAMS UNIVERSITY RETIREMENT PLAN Total Employer Contribution and Match Rate
ROGER WILLIAMS UNIVERSITY RETIREMENT PLAN Estimated Average Employer Match
Investing in this additonal $1,267.00 for 20 years would give you extra $81,105.00, 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.
ROGER WILLIAMS UNIVERSITY RETIREMENT PLAN Contribution & Match Policy
ROGER WILLIAMS UNIVERSITY RETIREMENT PLAN Contribution, Match and Other Plan Policies
- Participants may defer a portion of their eligible pre-tax annual compensation into the defined contribution or tax deferred portion of the Plan, as defined, subject to dollar limits set by Federal law.
- Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions in accordance with Internal Revenue Service ("IRS") regulations.
- Participants may also contribute amounts representing distributions from other qualified defined benefit or contribution plans ("Participant Rollovers").
- The Employer will make a matching contribution on behalf of all eligible employees who have met the age and service requirements, as defined.
- For each of the years ended December 31, 2024 and 2023, the Employer made matching contributions equal to 8% of eligible compensation.
- Employer matching contributions are allocated to participant accounts each payroll period.
- For members of the Roger Williams University Faculty Association, in order to be eligible for an Employer contribution, the faculty member’s elected contribution must equal or exceed 3%.
- For qualifying contributing participants that are not members of the Roger Williams Faculty Association, in order to be eligible for an Employer contribution, a contributing participant’s elective deferrals must equal or exceed 5%.
- Participants are immediately vested in all accounts and actual earnings thereon.
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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