SEATTLE FOUNDATION DEFINED CONTRIBUTION RETIREMENT PLAN Contribution & Employer Match

How SEATTLE FOUNDATION Supports Your Retirement Savings

SEATTLE FOUNDATION provides retirement savings benefits through SEATTLE FOUNDATION DEFINED CONTRIBUTION 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.

SEATTLE FOUNDATION DEFINED CONTRIBUTION RETIREMENT PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for SEATTLE FOUNDATION DEFINED CONTRIBUTION RETIREMENT PLAN is $96,560.00

SEATTLE FOUNDATION DEFINED CONTRIBUTION RETIREMENT PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for SEATTLE FOUNDATION DEFINED CONTRIBUTION RETIREMENT PLAN is $7,287.00. 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.
466,385.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 7,287.00 in SEATTLE FOUNDATION DEFINED CONTRIBUTION RETIREMENT PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in SEATTLE FOUNDATION DEFINED CONTRIBUTION 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.

SEATTLE FOUNDATION DEFINED CONTRIBUTION RETIREMENT PLAN Total Employer Contribution and Match Rate

In 2024, SEATTLE FOUNDATION DEFINED CONTRIBUTION RETIREMENT PLAN allocates $685,073.00 to match its employees’ contributions, providing an employer match rate of 62.88% of their contributions

SEATTLE FOUNDATION DEFINED CONTRIBUTION RETIREMENT PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in SEATTLE FOUNDATION DEFINED CONTRIBUTION RETIREMENT PLAN is approximately $4,126.00
Investing in this additonal $4,126.00 for 20 years would give you extra $264,124.00, 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.

SEATTLE FOUNDATION DEFINED CONTRIBUTION RETIREMENT PLAN Contribution & Match Policy

SEATTLE FOUNDATION DEFINED CONTRIBUTION RETIREMENT PLAN Plan Policies

SEATTLE FOUNDATION DEFINED CONTRIBUTION RETIREMENT PLAN Contribution, Match and Other Plan Policies

  • Employees may elect to defer up to 100% of their compensation as pre-tax or Roth contributions.
  • The Plan has an automatic enrollment feature under which new employees are enrolled at a 5% deferral rate unless they elect a different deferral rate or not to participate in the Plan.
  • Unless otherwise elected, automatic deferrals will increase 1% per year on the first of the year up to 10%.
  • Effective January 1, 2025, the Plan was amended to remove the Plan’s automatic enrollment feature.
  • Participants who have attained age 50 before the end of the plan year are eligible to make catch-up contributions.
  • The Sponsor makes employer matching contributions for participants.
  • For participants with fewer than five years of service, the Sponsor will match 100% of their deferrals up to 5% of compensation.
  • For participants with at least five years of service but fewer than ten years of service, the Sponsor will match 100% of their deferrals up to 7.5% of compensation.
  • For participants with ten or more years of service, the Sponsor will match 100% of their deferrals up to 10% of compensation.
  • Effective January 1, 2025, the Plan was amended to reduce the maximum match for highly compensated employees to 100% of their deferrals up to 7.5% compensation.
  • Participants are always 100% vested in all contributions to the Plan and any 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:

 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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