SEATTLE UNIVERSITY EMPLOYEES RETIREMENT PLAN Contribution & Employer Match
How SEATTLE UNIVERSITY Supports Your Retirement Savings
SEATTLE UNIVERSITY provides retirement savings benefits through SEATTLE UNIVERSITY EMPLOYEES 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 UNIVERSITY EMPLOYEES RETIREMENT PLAN Average Participant Retirement Account Value
SEATTLE UNIVERSITY EMPLOYEES RETIREMENT PLAN Estimated Average Employee Contribution Amount
215,873.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,373.00 in SEATTLE UNIVERSITY EMPLOYEES RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in SEATTLE UNIVERSITY EMPLOYEES 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 UNIVERSITY EMPLOYEES RETIREMENT PLAN Total Employer Contribution and Match Rate
SEATTLE UNIVERSITY EMPLOYEES RETIREMENT PLAN Estimated Average Employer Match
Investing in this additonal $3,013.00 for 20 years would give you extra $192,846.00, 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 UNIVERSITY EMPLOYEES RETIREMENT PLAN Contribution & Match Policy
SEATTLE UNIVERSITY EMPLOYEES RETIREMENT PLAN Contribution, Match and Other Plan Policies
- Participants may elect to defer up to 100% of their eligible compensation as pretax or Roth contributions.
- Participants who have attained age 50 before the end of the plan year or participants having at least 15 years of service are eligible to make catch-up contributions.
- Furthermore, participants may also contribute amounts representing distributions from other eligible plans (rollovers).
- The Plan includes a provision whereby all newly eligible employees are automatically enrolled at a 5% deferral rate unless they elect a different deferral rate or not to participate in the Plan.
- For the years ended December 31, 2024 and 2023, the University elected to match 100% of the first 5% of eligible compensation that participants contribute to the Plan for participants hired after June 30, 2022.
- Employer and employee contributions are 100% vested at all times.
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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