THE COMMONWEALTH SCHOOL, INC. DC PLAN Contribution & Employer Match

How THE COMMONWEALTH SCHOOL, INC. Supports Your Retirement Savings

THE COMMONWEALTH SCHOOL, INC. provides retirement savings benefits through THE COMMONWEALTH SCHOOL, INC. DC 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.

THE COMMONWEALTH SCHOOL, INC. DC PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for THE COMMONWEALTH SCHOOL, INC. DC PLAN is $192,840.00

THE COMMONWEALTH SCHOOL, INC. DC PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for THE COMMONWEALTH SCHOOL, INC. DC PLAN is $3,878.00. 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.
248,194.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,878.00 in THE COMMONWEALTH SCHOOL, INC. DC PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in THE COMMONWEALTH SCHOOL, INC. DC 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.

THE COMMONWEALTH SCHOOL, INC. DC PLAN Total Employer Contribution and Match Rate

In 2024, THE COMMONWEALTH SCHOOL, INC. DC PLAN allocates $359,234.00 to match its employees’ contributions, providing an employer match rate of 59.76% of their contributions

THE COMMONWEALTH SCHOOL, INC. DC PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in THE COMMONWEALTH SCHOOL, INC. DC PLAN is approximately $2,379.00
Investing in this additonal $2,379.00 for 20 years would give you extra $152,258.00, 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.

THE COMMONWEALTH SCHOOL, INC. DC PLAN Contribution & Match Policy

THE COMMONWEALTH SCHOOL, INC. DC PLAN Plan Policies

THE COMMONWEALTH SCHOOL, INC. DC PLAN Contribution, Match and Other Plan Policies

  • Upon hire, all eligible participants may contribute, on a voluntary basis, pre-tax salary deferrals up to 100% of their eligible compensation, as defined in the Plan document, subject to the maximum amount allowed by the Internal Revenue Code (IRC).
  • Participants are required to make mandatory salary-reduction contributions to the Plan equal to 5% of their eligible compensation after attainment of age twenty-six and completion of one year of service, as defined in the Plan document.
  • Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
  • The Employer makes matching contributions equal to 8% of eligible compensation to participants with at least one year of service who are under age twenty-six provided the participant’s elective deferrals equal or exceed 5% of the participant’s compensation.
  • The Employer makes a nonelective contribution equal to 8% of compensation for participants equal to or exceeding age twenty-six who are subject to mandatory salary-reduction contributions.
  • Participants are vested immediately in all 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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