ST. BERNARDS SCHOOL EMPLOYEE RETIREMENT PLAN Contribution & Employer Match

How ST. BERNARDS SCHOOL Supports Your Retirement Savings

ST. BERNARDS SCHOOL provides retirement savings benefits through ST. BERNARDS SCHOOL EMPLOYEE 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.

ST. BERNARDS SCHOOL EMPLOYEE RETIREMENT PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for ST. BERNARDS SCHOOL EMPLOYEE RETIREMENT PLAN is $279,102.00

ST. BERNARDS SCHOOL EMPLOYEE RETIREMENT PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for ST. BERNARDS SCHOOL EMPLOYEE RETIREMENT PLAN is $3,393.00. 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.
217,196.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,393.00 in ST. BERNARDS SCHOOL EMPLOYEE RETIREMENT PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in ST. BERNARDS SCHOOL EMPLOYEE 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.

ST. BERNARDS SCHOOL EMPLOYEE RETIREMENT PLAN Total Employer Contribution and Match Rate

In 2024, ST. BERNARDS SCHOOL EMPLOYEE RETIREMENT PLAN allocates $1,416,849.00 to match its employees’ contributions, providing an employer match rate of 181.13% of their contributions

ST. BERNARDS SCHOOL EMPLOYEE RETIREMENT PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in ST. BERNARDS SCHOOL EMPLOYEE RETIREMENT PLAN is approximately $5,806.00
Investing in this additonal $5,806.00 for 20 years would give you extra $371,632.00, 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.

ST. BERNARDS SCHOOL EMPLOYEE RETIREMENT PLAN Contribution & Match Policy

ST. BERNARDS SCHOOL EMPLOYEE RETIREMENT PLAN Plan Policies

ST. BERNARDS SCHOOL EMPLOYEE RETIREMENT PLAN Contribution, Match and Other Plan Policies

  • Participants may elect to contribute up to 100% of their pre-tax annual gross compensation, as defined by the Plan, subject to limitations as provided by the Internal Revenue Service (IRS).
  • Qualified organization catch-up deferral contributions (15-year rule) are permitted under the Plan if a participant has 15 years of service with the School, thus allowing the limit on his or her elective deferrals to his or her participant account to be increased by the lesser of (1) $3,000; (2) $15,000 reduced by all the employee’s elective deferrals for prior years by reason of the increased limitation; or (3) the excess of $5,000 multiplied by the number of years of service with the School over the employee’s elective contributions made for prior years.
  • Age 50 catch-up deferral contributions permit participants who have reached age 50 before the end of the Plan year to contribute an additional $6,500.
  • Contributions other than elective deferrals: As provided by the Plan, the School makes non-elective contributions of 11% of eligible compensation for each eligible employee.
  • Additionally, participants with eligible compensation above the Social Security taxable wage base receive a contribution of 15% of such compensation, up to the maximum allowable amount.
  • Participants are immediately vested in all employee and School non-elective contributions, plus actual 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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