XAVIER UNIVERSITY DEFINED CONTRIBUTION RETIREMENT PLAN Contribution & Employer Match

How XAVIER UNIVERSITY Supports Your Retirement Savings

XAVIER UNIVERSITY provides retirement savings benefits through XAVIER UNIVERSITY DEFINED CONTRIBUTION 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.

XAVIER UNIVERSITY DEFINED CONTRIBUTION RETIREMENT PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for XAVIER UNIVERSITY DEFINED CONTRIBUTION RETIREMENT PLAN is $136,065.00

XAVIER UNIVERSITY DEFINED CONTRIBUTION RETIREMENT PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for XAVIER UNIVERSITY DEFINED CONTRIBUTION RETIREMENT PLAN is $2,587.00. If you contribute an amount exceeding this, you have saved more than your colleagues. Congratulations! Keep up the good work. Otherwise, you might want to consider contributing more to ensure a better retirement future.
165,599.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,587.00 in XAVIER UNIVERSITY DEFINED CONTRIBUTION RETIREMENT PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in XAVIER UNIVERSITY DEFINED CONTRIBUTION 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.

XAVIER UNIVERSITY DEFINED CONTRIBUTION RETIREMENT PLAN Total Employer Contribution and Match Rate

In 2024, XAVIER UNIVERSITY DEFINED CONTRIBUTION RETIREMENT PLAN allocates $6,369,600.00 to match its employees’ contributions, providing an employer match rate of 86.04% of their contributions

XAVIER UNIVERSITY DEFINED CONTRIBUTION RETIREMENT PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in XAVIER UNIVERSITY DEFINED CONTRIBUTION RETIREMENT PLAN is approximately $2,110.00
Investing in this additonal $2,110.00 for 20 years would give you extra $135,074.00, 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.

XAVIER UNIVERSITY DEFINED CONTRIBUTION RETIREMENT PLAN Contribution & Match Policy

XAVIER UNIVERSITY DEFINED CONTRIBUTION RETIREMENT PLAN Plan Policies

XAVIER UNIVERSITY DEFINED CONTRIBUTION RETIREMENT PLAN Contribution, Match and Other Plan Policies

  • Effective October 1, 2023, the mandatory employee contribution is 2.00 percent of their pretax compensation.
  • Participants attaining at least age 50 during the plan year are eligible to contribute additional catch-up contributions to the Plan.
  • Participants may also make contributions to the Plan in the form of a rollover of funds from another qualified plan.
  • For eligible employees, the University increased contributions based on an amount equal to a specified percentage of a participant’s compensation based on the participant’s years of service as follows: 8.50 percent for 0 to 4 years of service, 9.00 percent for more than 5 up to 9 years of service, 9.50 percent for more than 10 up to 19 years of service, and 10.00 percent for 20 or more years of service.
  • Effective October 1, 2023, the mandatory employer contribution for eligible employees is 5 percent.
  • Participants hired prior to October 1, 2023 are vested immediately in all contributions plus actual earnings thereon.
  • Participants hired on or after October 1, 2023 are immediately 100 percent vested in employee salary and rollover contributions and any income or loss thereon.
  • Vesting in the University’s contribution portion of their accounts, plus actual earnings thereon, is based on years of service.
  • Participants become immediately vested in contributions made by the University after three years of service.

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:

 20242025
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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