THE ASSOCIATION OF UNIVERSITY PHYSICIANS PENSION PLAN Contribution & Employer Match

How THE ASSOCIATION OF UNIVERSITY PHYSICIANS Supports Your Retirement Savings

THE ASSOCIATION OF UNIVERSITY PHYSICIANS provides retirement savings benefits through THE ASSOCIATION OF UNIVERSITY PHYSICIANS PENSION 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.

* 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.

THE ASSOCIATION OF UNIVERSITY PHYSICIANS PENSION PLAN Contribution & Match Policy

1. Employee Contribution Rates: Participants are not allowed to make voluntary contributions to the Plan.

2. Employer Match/Contribution Conditions: AUP contributes an amount equal to 9% of eligible compensation for each participant under age 50 and 10% for each participant age 50 or older.

3. Vesting Schedule/Eligibility: Vesting is 100% if a participant reaches normal retirement age (65), dies, or becomes disabled while employed. For other terminations, the vesting schedule is: Year 1 – 0%, Year 2 – 25%, Year 3 – 50%, Year 4 – 75%, Year 5 – 100%. Eligibility to participate begins after completing one hour of service.