SAN FRANCISCO SYMPHONY TSA THRIFT PLAN Contribution & Employer Match

How SAN FRANCISCO SYMPHONY CORPORATION Supports Your Retirement Savings

SAN FRANCISCO SYMPHONY CORPORATION provides retirement savings benefits through SAN FRANCISCO SYMPHONY TSA THRIFT 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.

SAN FRANCISCO SYMPHONY TSA THRIFT PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for SAN FRANCISCO SYMPHONY TSA THRIFT PLAN is $111,784.00

SAN FRANCISCO SYMPHONY TSA THRIFT PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for SAN FRANCISCO SYMPHONY TSA THRIFT PLAN is $3,154.00. 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.
201,910.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,154.00 in SAN FRANCISCO SYMPHONY TSA THRIFT PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in SAN FRANCISCO SYMPHONY TSA THRIFT 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.

SAN FRANCISCO SYMPHONY TSA THRIFT PLAN Total Employer Contribution and Match Rate

In 2024, SAN FRANCISCO SYMPHONY TSA THRIFT PLAN allocates $572,436.00 to match its employees’ contributions, providing an employer match rate of 24.32% of their contributions

SAN FRANCISCO SYMPHONY TSA THRIFT PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in SAN FRANCISCO SYMPHONY TSA THRIFT PLAN is approximately $734.00
Investing in this additonal $734.00 for 20 years would give you extra $47,029.00, 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.

SAN FRANCISCO SYMPHONY TSA THRIFT PLAN Contribution & Match Policy

SAN FRANCISCO SYMPHONY TSA THRIFT PLAN Plan Policies

SAN FRANCISCO SYMPHONY TSA THRIFT PLAN Contribution, Match and Other Plan Policies

  • As of December 31, 2024, participants may contribute up to $23,000 of their annual compensation, on a pre-tax or a Roth after-tax basis.
  • Participants that have attained age 50 before December 31 were able to defer up to an additional $7,500 for the Plan year ending December 31, 2024.
  • The Symphony makes a discretionary matching contribution equal to 50% of each eligible participant’s elective contributions, up to a maximum of 3% of eligible compensation, as defined by the Plan.
  • The Symphony may also make discretionary base contributions to the Plan each year.
  • Participants vest immediately in their elective contributions and the Symphony’s discretionary matching contributions, plus actual earnings thereon. Participants vest in the Symphony’s discretionary base contributions and VRIP contributions as follows: Years of Service
  • Less than 2 years: 0%

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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