SCENIC HUDSON, INC. 403(B) PLAN Contribution & Employer Match
How SCENIC HUDSON, INC Supports Your Retirement Savings
SCENIC HUDSON, INC provides retirement savings benefits through SCENIC HUDSON, 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.
SCENIC HUDSON, INC. 403(B) PLAN Average Participant Retirement Account Value
SCENIC HUDSON, INC. 403(B) PLAN Estimated Average Employee Contribution Amount
569,071.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 8,891.00 in SCENIC HUDSON, INC. 403(B) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in SCENIC HUDSON, 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.
SCENIC HUDSON, INC. 403(B) PLAN Total Employer Contribution and Match Rate
SCENIC HUDSON, INC. 403(B) PLAN Estimated Average Employer Match
Investing in this additonal $3,664.00 for 20 years would give you extra $234,502.00, 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.
SCENIC HUDSON, INC. 403(B) PLAN Contribution & Match Policy
SCENIC HUDSON, INC. 403(B) PLAN Contribution, Match and Other Plan Policies
- Each year, participants are permitted to defer up to 100% of their pre-tax compensation subject to Internal Revenue Code ("IRC") limits.
- Participants can also make Roth elective deferrals.
- Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
- For each of the years ended December 31, 2024 and 2023, the non-elective contribution amount was 6% and the Employer match was 2%.
- Participants are immediately vested in their elective basic contributions plus actual earning thereon. Participants that commenced service prior to January 1, 2016 with the Employer or any related employer are 100% vested at all times. Vesting in the matching and non-elective employer contribution portion of their accounts is based on years of continuous service according to the following schedule: Years of Service Vested %
- 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:
| 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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