UNITED SERVICE ORGANIZATIONS RETIREMENT SAVINGS PLAN Contribution & Employer Match
How UNITED SERVICE ORGANIZATIONS, INC. Supports Your Retirement Savings
UNITED SERVICE ORGANIZATIONS, INC. provides retirement savings benefits through UNITED SERVICE ORGANIZATIONS RETIREMENT SAVINGS 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.
UNITED SERVICE ORGANIZATIONS RETIREMENT SAVINGS PLAN Average Participant Retirement Account Value
UNITED SERVICE ORGANIZATIONS RETIREMENT SAVINGS PLAN Estimated Average Employee Contribution Amount
237,057.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,704.00 in UNITED SERVICE ORGANIZATIONS RETIREMENT SAVINGS PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in UNITED SERVICE ORGANIZATIONS RETIREMENT SAVINGS 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.
UNITED SERVICE ORGANIZATIONS RETIREMENT SAVINGS PLAN Total Employer Contribution and Match Rate
UNITED SERVICE ORGANIZATIONS RETIREMENT SAVINGS PLAN Estimated Average Employer Match
Investing in this additonal $3,274.00 for 20 years would give you extra $209,581.00, 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.
UNITED SERVICE ORGANIZATIONS RETIREMENT SAVINGS PLAN Contribution & Match Policy
UNITED SERVICE ORGANIZATIONS RETIREMENT SAVINGS PLAN Contribution, Match and Other Plan Policies
- Employees may make a salary reduction election to reduce their compensation per payroll period in an amount equal to any percentage of their compensation which does not exceed the maximum permitted by law and may elect to have all or a portion designated as Roth elective deferrals.
- Participants are automatically enrolled at 3% of compensation, unless they make another election.
- The Plan provides for automatic escalation of 1% each of the next seven years to a maximum of 10%.
- Employees are permitted to contribute amounts representing distributions from other qualified plans and certain individual retirement accounts (IRA).
- USO shall contribute a matching contribution equal to 100% of the employee’s salary deferral contributions, up to a maximum of 5% of the employee’s compensation.
- In addition, USO will make an annual Qualified Automatic Contribution Arrangement (QACA) non-elective contribution to the plan on behalf of each eligible employee in an amount equal to 4% of the employee’s compensation without regard to whether the employee makes any employee contributions, subject to federal limitations.
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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