STETSON UNIVERSITY DEFINED CONTRIBUTION PLAN Contribution & Employer Match
How STETSON UNIVERSITY Supports Your Retirement Savings
STETSON UNIVERSITY provides retirement savings benefits through STETSON UNIVERSITY DEFINED CONTRIBUTION 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.
STETSON UNIVERSITY DEFINED CONTRIBUTION PLAN Average Participant Retirement Account Value
STETSON UNIVERSITY DEFINED CONTRIBUTION PLAN Estimated Average Employee Contribution Amount
94,155.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 1,471.00 in STETSON UNIVERSITY DEFINED CONTRIBUTION PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in STETSON UNIVERSITY DEFINED CONTRIBUTION 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.
STETSON UNIVERSITY DEFINED CONTRIBUTION PLAN Total Employer Contribution and Match Rate
STETSON UNIVERSITY DEFINED CONTRIBUTION PLAN Estimated Average Employer Match
Investing in this additonal $2,446.00 for 20 years would give you extra $156,578.00, 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.
STETSON UNIVERSITY DEFINED CONTRIBUTION PLAN Contribution & Match Policy
STETSON UNIVERSITY DEFINED CONTRIBUTION PLAN Contribution, Match and Other Plan Policies
- Upon full-time employment with the University, eligible employees (as defined) may elect to defer a portion of their pre-tax or after-tax (Roth), annual compensation to the Plan, up to the legally established limit ($23,000 and $22,500 for 2024 and 2023, respectively).
- Participants who have attained age 50 before the end of a Plan year, or who have worked for the University for at least 15 years, are eligible to make additional "catch-up" contributions ($7,500 for both 2024 and 2023).
- The Plan provides for discretionary employer contribution amounts.
- During the years ended December 31, 2024 and 2023, the University contributed 5% of base gross salary (as defined) for those with one year of service (as defined) at the University and 10% of base gross salary for those with two years of service, except for certain positions, as provided in the Plan document, that were immediately eligible to receive the University’s contributions.
- Additionally, employees who were hired on or before June 30, 2008 received supplemental University contributions in amounts based on the age of the eligible participants as of July 1, 2008.
- Participants are immediately vested in their contributions and the University’s 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:
| 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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