THE JOHNS HOPKINS UNIVERSITY APPLIED PHYSICS LABORATORY PENSION PLAN A Contribution & Employer Match

How THE JOHNS HOPKINS UNIVERSITY APPLIE D PHYSICS LABORATORY LLC JHU/APL Supports Your Retirement Savings

THE JOHNS HOPKINS UNIVERSITY APPLIE D PHYSICS LABORATORY LLC JHU/APL provides retirement savings benefits through THE JOHNS HOPKINS UNIVERSITY APPLIED PHYSICS LABORATORY PENSION PLAN A. 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 JOHNS HOPKINS UNIVERSITY APPLIED PHYSICS LABORATORY PENSION PLAN A Average Participant Retirement Account Value

In 2024, the average participant retirement account value for THE JOHNS HOPKINS UNIVERSITY APPLIED PHYSICS LABORATORY PENSION PLAN A is $269,237.00

THE JOHNS HOPKINS UNIVERSITY APPLIED PHYSICS LABORATORY PENSION PLAN A Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for THE JOHNS HOPKINS UNIVERSITY APPLIED PHYSICS LABORATORY PENSION PLAN A is $642.00. 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.
41,128.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 642.00 in THE JOHNS HOPKINS UNIVERSITY APPLIED PHYSICS LABORATORY PENSION PLAN A, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in THE JOHNS HOPKINS UNIVERSITY APPLIED PHYSICS LABORATORY PENSION PLAN A

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 JOHNS HOPKINS UNIVERSITY APPLIED PHYSICS LABORATORY PENSION PLAN A Total Employer Contribution and Match Rate

In 2024, THE JOHNS HOPKINS UNIVERSITY APPLIED PHYSICS LABORATORY PENSION PLAN A allocates $128,113,837.00 to match its employees’ contributions, providing an employer match rate of 3614.84% of their contributions

THE JOHNS HOPKINS UNIVERSITY APPLIED PHYSICS LABORATORY PENSION PLAN A Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in THE JOHNS HOPKINS UNIVERSITY APPLIED PHYSICS LABORATORY PENSION PLAN A is approximately $11,615.00
Investing in this additonal $11,615.00 for 20 years would give you extra $743,362.00, 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 JOHNS HOPKINS UNIVERSITY APPLIED PHYSICS LABORATORY PENSION PLAN A Contribution & Match Policy

THE JOHNS HOPKINS UNIVERSITY APPLIED PHYSICS LABORATORY PENSION PLAN A Plan Policies

THE JOHNS HOPKINS UNIVERSITY APPLIED PHYSICS LABORATORY PENSION PLAN A Contribution, Match and Other Plan Policies

  • Under terms of the Plan, APL contributes to the Plan 2.5% of compensation capped at the limit for an active participant for all eligible employees.
  • Employees may elect to make contributions to The Johns Hopkins University Applied Physics Laboratory Pension Plan B (Plan B), a Section 403(b) Plan, subject to certain limitations.
  • APL also contributes to the Plan two times the amount of employee contributions to Plan B, up to 4% of compensation.
  • Employees may make additional after-tax contributions to the Plan, subject to certain limitations, but such contributions do not result in additional contributions by APL.
  • Under terms of the Plan, APL contributes to the Plan 2.5% of compensation capped at the limit for an active participant for all eligible employees.
  • APL also contributes to the Plan two times the amount of employee contributions to Plan B, up to 4% of compensation.
  • The Plan provides for immediate vesting of participant and employer contributions.

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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