SPONSORS FOR EDUCATIONAL OPPORTUNITY 403(B) PLAN Contribution & Employer Match

How SPONSORS FOR EDUCATIONAL OPPORTUNITY Supports Your Retirement Savings

SPONSORS FOR EDUCATIONAL OPPORTUNITY provides retirement savings benefits through SPONSORS FOR EDUCATIONAL OPPORTUNITY 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.

SPONSORS FOR EDUCATIONAL OPPORTUNITY 403(B) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for SPONSORS FOR EDUCATIONAL OPPORTUNITY 403(B) PLAN is $48,100.00

SPONSORS FOR EDUCATIONAL OPPORTUNITY 403(B) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for SPONSORS FOR EDUCATIONAL OPPORTUNITY 403(B) PLAN is $4,102.00. 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.
262,555.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,102.00 in SPONSORS FOR EDUCATIONAL OPPORTUNITY 403(B) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in SPONSORS FOR EDUCATIONAL OPPORTUNITY 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.

SPONSORS FOR EDUCATIONAL OPPORTUNITY 403(B) PLAN Total Employer Contribution and Match Rate

In 2024, SPONSORS FOR EDUCATIONAL OPPORTUNITY 403(B) PLAN allocates $902,311.00 to match its employees’ contributions, providing an employer match rate of 65.46% of their contributions

SPONSORS FOR EDUCATIONAL OPPORTUNITY 403(B) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in SPONSORS FOR EDUCATIONAL OPPORTUNITY 403(B) PLAN is approximately $2,216.00
Investing in this additonal $2,216.00 for 20 years would give you extra $141,886.00, 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.

SPONSORS FOR EDUCATIONAL OPPORTUNITY 403(B) PLAN Contribution & Match Policy

SPONSORS FOR EDUCATIONAL OPPORTUNITY 403(B) PLAN Plan Policies

SPONSORS FOR EDUCATIONAL OPPORTUNITY 403(B) PLAN Contribution, Match and Other Plan Policies

  • Each year, participants are permitted to contribute to the Plan, beginning on the date of hire, an amount not to exceed the dollar limitations, as prescribed by the IRC.
  • For the year ended December 31, 2024, the limit was $23,000.
  • The Plan allows for pre-tax salary deferrals.
  • Salary deferral agreements shall be made, terminated, or changed according to procedures and limitations set up by the Plan Administrator and the Plan Document.
  • Participants who have attained the age of 50 before the end of the Plan year are eligible to make catch-up contributions.
  • Participants may also elect to make special catch-up contributions prior to the age of 50 if 15 years of service have been rendered by the participant, subject to certain limitations.
  • Rollover contributions are subject to the terms of the Plan and are fully vested and non-forfeitable.
  • The Company may make Employer matching contributions equal to 100% of a participant’s elective deferral, capped at 2.5% of compensation.
  • The Company may also make a non-elective discretionary contribution (profit-sharing contribution) equal to 2.5% of compensation to employees who have contributed at least 2.5% of compensation into the Plan.
  • Participants are 100% vested in their individual deferral and rollover contributions and the allocated earnings thereon. Employer matching and profit-sharing contributions are based on years of continuous service, as follows: Years of Service Vested (%)
  • Less than 1 years: 0%
  • 1-34 years: 2%
  • 3+ years: 100%

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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