UNION COLLEGE RETIREMENT PLAN Contribution & Employer Match
How UNION COLLEGE Supports Your Retirement Savings
UNION COLLEGE provides retirement savings benefits through UNION COLLEGE 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.
UNION COLLEGE RETIREMENT PLAN Average Participant Retirement Account Value
UNION COLLEGE RETIREMENT PLAN Estimated Average Employee Contribution Amount
132,397.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,068.00 in UNION COLLEGE RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in UNION COLLEGE 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.
UNION COLLEGE RETIREMENT PLAN Total Employer Contribution and Match Rate
UNION COLLEGE RETIREMENT PLAN Estimated Average Employer Match
Investing in this additonal $2,596.00 for 20 years would give you extra $166,162.00, 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.
UNION COLLEGE RETIREMENT PLAN Contribution & Match Policy
UNION COLLEGE RETIREMENT PLAN Contribution, Match and Other Plan Policies
- Participants may contribute a percentage of their annual compensation subject to certain IRS limitations.
- As defined by the Plan document, UC contributes on behalf of eligible Plan participants in an amount equal to 11% of eligible compensation.
- Participants are immediately fully vested in their voluntary contributions and actual investment earnings and losses thereon.
- Participants hired before July 1, 2011 are 100% vested in employer contributions upon receipt.
- Participants hired after July 1, 2011 are not vested in employer contributions until after 3 years of service, at which time the participant will be fully vested.
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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