ST. PAUL’S SCHOOL DEFINED CONTRIBUTION RETIREMENT PLAN Contribution & Employer Match

How ST. PAUL’S SCHOOL Supports Your Retirement Savings

ST. PAUL’S SCHOOL provides retirement savings benefits through ST. PAUL’S SCHOOL 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.

ST. PAUL’S SCHOOL DEFINED CONTRIBUTION RETIREMENT PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for ST. PAUL’S SCHOOL DEFINED CONTRIBUTION RETIREMENT PLAN is $99,953.00

ST. PAUL’S SCHOOL DEFINED CONTRIBUTION RETIREMENT PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for ST. PAUL’S SCHOOL DEFINED CONTRIBUTION RETIREMENT PLAN is $1,855.00. 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.
118,735.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 1,855.00 in ST. PAUL’S SCHOOL DEFINED CONTRIBUTION RETIREMENT PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in ST. PAUL’S SCHOOL 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.

ST. PAUL’S SCHOOL DEFINED CONTRIBUTION RETIREMENT PLAN Total Employer Contribution and Match Rate

In 2024, ST. PAUL’S SCHOOL DEFINED CONTRIBUTION RETIREMENT PLAN allocates $2,886,079.00 to match its employees’ contributions, providing an employer match rate of 155.49% of their contributions

ST. PAUL’S SCHOOL DEFINED CONTRIBUTION RETIREMENT PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in ST. PAUL’S SCHOOL DEFINED CONTRIBUTION RETIREMENT PLAN is approximately $2,791.00
Investing in this additonal $2,791.00 for 20 years would give you extra $178,635.00, 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. PAUL’S SCHOOL DEFINED CONTRIBUTION RETIREMENT PLAN Contribution & Match Policy

ST. PAUL’S SCHOOL DEFINED CONTRIBUTION RETIREMENT PLAN Plan Policies

ST. PAUL’S SCHOOL DEFINED CONTRIBUTION RETIREMENT PLAN Contribution, Match and Other Plan Policies

  • The Plan allows participants the option to make pre-tax contributions (deferrals) to their employee accounts.
  • The Plan does not permit deferrals in excess of the limits imposed by the IRC and other limitations specified in the Plan.
  • Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
  • Participants may also rollover amounts representing distributions from other qualified defined benefit or contribution plans.
  • All newly eligible employees will be automatically enrolled with elective deferrals withheld in the amount of 3% unless indicated otherwise through a signed enrollment form.
  • Employees eligible to participate in the Plan receive a discretionary employer contribution proportionate to a percentage applied to eligible wages, as defined by the Plan document, paid by the Plan Sponsor.
  • Vesting schedule:
  • Less than 1 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:

 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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