ROSE VILLA INC 403(B) PLAN Contribution & Employer Match
How ROSE VILLA INC Supports Your Retirement Savings
ROSE VILLA INC provides retirement savings benefits through ROSE VILLA INC 403(B) 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.
ROSE VILLA INC 403(B) PLAN Average Participant Retirement Account Value
ROSE VILLA INC 403(B) PLAN Estimated Average Employee Contribution Amount
104,568.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 1,633.00 in ROSE VILLA INC 403(B) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in ROSE VILLA INC 403(B) 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.
ROSE VILLA INC 403(B) PLAN Total Employer Contribution and Match Rate
ROSE VILLA INC 403(B) PLAN Estimated Average Employer Match
Investing in this additonal $1,349.00 for 20 years would give you extra $86,358.00, 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.
ROSE VILLA INC 403(B) PLAN Contribution & Match Policy
ROSE VILLA INC 403(B) PLAN Contribution, Match and Other Plan Policies
- Eligible participants are permitted to elect to have a percentage, up to the maximum limit allowed by the Internal Revenue Service (IRS), of their compensation contributed as pretax or after-tax (Roth) contributions to the Plan.
- Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
- For the year ended December 31, 2024, the Organization matching contribution was 100% of the first 4% of eligible compensation that a participant contributed to the Plan.
- The Organization may, at its discretion, elect to make an additional matching contribution.
- Participants are immediately vested in their contributions and Organization matching contributions plus actual earnings thereon.
- Vesting in the Organization discretionary matching contribution portion of their accounts, plus actual earnings thereon, is based on years of credited service.
- A participant is 100% vested after six years of credited service.
- Notwithstanding the above, a participant is fully vested upon reaching normal retirement age, 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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