THE JOHNS HOPKINS UNIVERSITY APPLIED PHYSICS LABORATORY PENSION PLAN B 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 B. 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 B Average Participant Retirement Account Value

In 2024, the average participant retirement account value for THE JOHNS HOPKINS UNIVERSITY APPLIED PHYSICS LABORATORY PENSION PLAN B is $233,546.00

THE JOHNS HOPKINS UNIVERSITY APPLIED PHYSICS LABORATORY PENSION PLAN B 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 B is $21,876.00. 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.
1,400,114.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 21,876.00 in THE JOHNS HOPKINS UNIVERSITY APPLIED PHYSICS LABORATORY PENSION PLAN B, assuming a 10%* annual return.

* Data are from public filings.

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

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.

* 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 B Contribution & Match Policy

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

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

  • Participants may contribute up to the maximum percentage of compensation, as defined by the Plan, and dollar amounts permissible under the Internal Revenue Service (IRS) regulations to the Plan pursuant to salary reduction and salary deduction agreements with APL.
  • Participants who have attained age 50 before the end of the calendar year are eligible to make catch-up contributions.
  • Effective March 18, 2024, participants are automatically enrolled in the Plan with a 4% contribution, 30 days following the date of hire, to a qualified default investment alternative.
  • Under the terms of the Johns Hopkins University Applied Physics Laboratory Pension Plan A (Plan A), APL contributes 2.5% of compensation for all eligible employees with 12 months of service to Plan A.
  • For amounts contributed to the Plan, up to 4% of compensation, APL also contributes to Plan A two times the amount of such contributions.
  • The Plan provides for immediate vesting of participant salary deferral contributions, after-tax participant contributions, and rollover 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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