UNIVERSITY OF PENNSYLVANIA BASIC PLAN Contribution & Employer Match
How TRUSTEES OF THE UNIVERSITY OF PA Supports Your Retirement Savings
TRUSTEES OF THE UNIVERSITY OF PA provides retirement savings benefits through UNIVERSITY OF PENNSYLVANIA BASIC 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.
UNIVERSITY OF PENNSYLVANIA BASIC PLAN Average Participant Retirement Account Value
* Data are from public filings.
Employer Match in UNIVERSITY OF PENNSYLVANIA BASIC 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.
UNIVERSITY OF PENNSYLVANIA BASIC PLAN Estimated Average Employer Match
Investing in this additonal $2,997.00 for 20 years would give you extra $191,808.00, 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.
UNIVERSITY OF PENNSYLVANIA BASIC PLAN Contribution & Match Policy
UNIVERSITY OF PENNSYLVANIA BASIC PLAN Contribution, Match and Other Plan Policies
- NOT_FOUND – This is a noncontributory defined contribution plan.
- The University and each participating affiliate, as defined in the Plan agreement, make contributions to the Plan on behalf of each of its respective eligible employees who become participants.
- The amount of the contribution equals a percentage of each active participant’s compensation in accordance with the following schedule: Participant’s Age on January 1 of Current Plan Year Contribution Under age 30 2.5% Age 30 to 39 4.0% Age 40 and above 5.0%
- Through December 31, 2009, a participant is fully vested in the balance of his/her account at all times. A participant with an employment commencement date on or after January 1, 2010, vest in employer contributions as follows: Years of Service Vesting
- Less than 3 years: 0%
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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