UB FOUNDATION ACTIVITIES, INC. RETIREMENT PLAN Contribution & Employer Match
How UB FOUNDATION ACTIVITIES, INC. Supports Your Retirement Savings
UB FOUNDATION ACTIVITIES, INC. provides retirement savings benefits through UB FOUNDATION ACTIVITIES, INC. RETIREMENT 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.
UB FOUNDATION ACTIVITIES, INC. RETIREMENT PLAN Average Participant Retirement Account Value
UB FOUNDATION ACTIVITIES, INC. RETIREMENT PLAN Estimated Average Employee Contribution Amount
96,523.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 1,508.00 in UB FOUNDATION ACTIVITIES, INC. RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in UB FOUNDATION ACTIVITIES, INC. RETIREMENT 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.
UB FOUNDATION ACTIVITIES, INC. RETIREMENT PLAN Total Employer Contribution and Match Rate
UB FOUNDATION ACTIVITIES, INC. RETIREMENT PLAN Estimated Average Employer Match
Investing in this additonal $1,443.00 for 20 years would give you extra $92,353.00, 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.
UB FOUNDATION ACTIVITIES, INC. RETIREMENT PLAN Contribution & Match Policy
UB FOUNDATION ACTIVITIES, INC. RETIREMENT PLAN Contribution, Match and Other Plan Policies
- Participants may contribute up to 100% of their pretax annual compensation as elective deferral contributions as defined in the Plan, subject to the annual limitations of the Internal Revenue Code (IRC).
- Effective January 1, 2024, the Plan was amended to allow participants to make Roth deferrals.
- NOT_FOUND – The plan describes fixed employer contributions (9% on compensation up to $16,500 and 12% on compensation in excess of $16,500) rather than a matching contribution formula.
- Participants are immediately vested in their elective deferral contributions and Organization 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:
| 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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