TRUSTED FRATERNAL LIFE 401(K) PLAN Contribution & Employer Match
How TRUSTED FRATERNAL LIFE Supports Your Retirement Savings
TRUSTED FRATERNAL LIFE provides retirement savings benefits through TRUSTED FRATERNAL LIFE 401(K) 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.
TRUSTED FRATERNAL LIFE 401(K) PLAN Average Participant Retirement Account Value
TRUSTED FRATERNAL LIFE 401(K) PLAN Estimated Average Employee Contribution Amount
655,131.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 10,236.00 in TRUSTED FRATERNAL LIFE 401(K) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in TRUSTED FRATERNAL LIFE 401(K) 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.
TRUSTED FRATERNAL LIFE 401(K) PLAN Total Employer Contribution and Match Rate
TRUSTED FRATERNAL LIFE 401(K) PLAN Estimated Average Employer Match
Investing in this additonal $2,903.00 for 20 years would give you extra $185,849.00, 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.
TRUSTED FRATERNAL LIFE 401(K) PLAN Contribution & Match Policy
TRUSTED FRATERNAL LIFE 401(K) PLAN Contribution, Match and Other Plan Policies
- Each year, participants may contribute up to 25% of pretax annual compensation, as defined in the plan document, up to the maximum limits of the Internal Revenue Code (IRC).
- Participants also may designate all or a portion of their deferral contributions as after-tax contributions into a Roth account.
- Participants who have attained age 50 before the end of the plan year are eligible to make catch-up contributions.
- Participants aged 60-63 are eligible to make additional catch-up contributions.
- Participants also may contribute amounts representing distributions from other qualified defined benefit or defined contribution plans (rollover).
- The Society provides a safe harbor matching contribution that matches 100% of employee elective deferrals up to 6% of the participant’s eligible compensation.
- Additional discretionary match amounts and discretionary nonelective contributions may be contributed by the Society at the option of the Administrative Committee.
- For the year ended December 31, 2024, there were no discretionary contributions to the Plan.
- Participants are vested immediately in their contributions and safe harbor contributions, plus actual earnings thereon.
- Any other contributions made by the Society are 100% vested after three years of credited service.
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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