WHEATON COLLEGE RETIREMENT PLAN Contribution & Employer Match
How WHEATON COLLEGE Supports Your Retirement Savings
WHEATON COLLEGE provides retirement savings benefits through WHEATON 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.
WHEATON COLLEGE RETIREMENT PLAN Average Participant Retirement Account Value
WHEATON COLLEGE RETIREMENT PLAN Estimated Average Employee Contribution Amount
110,441.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 1,725.00 in WHEATON COLLEGE RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in WHEATON 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.
WHEATON COLLEGE RETIREMENT PLAN Total Employer Contribution and Match Rate
WHEATON COLLEGE RETIREMENT PLAN Estimated Average Employer Match
Investing in this additonal $950.00 for 20 years would give you extra $60,828.00, 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.
WHEATON COLLEGE RETIREMENT PLAN Contribution & Match Policy
WHEATON COLLEGE RETIREMENT PLAN Contribution, Match and Other Plan Policies
- Participants of the Plan may elect to make elective contributions up to 100% of their pretax eligible compensation, as defined by the Plan, however, the amount may not exceed limits established by the Code.
- Participants who will attain age 50 before the end of the plan year are eligible to make catch-up contributions.
- Participants hired after January 1, 2020, will be automatically enrolled at 3% of their compensation as soon as administratively feasible following receipt of the automatic enrollment notice, but not later than 90 days, unless an alternative election is made.
- NOT_FOUND (Non-elective contributions: The Employer made non-elective contributions in an amount equal to 7% of eligible compensation for participants who have reached age 30 and 9% for participants who have not reached age 30 – this is non-elective, not a match)
- Participants are immediately vested in all elective contributions, rollovers and the Employer’s non-elective 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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