403(B) THRIFT PLAN FOR CHILD CARE ASSOCIATES Contribution & Employer Match
How CHILD CARE ASSOCIATES Supports Your Retirement Savings
CHILD CARE ASSOCIATES provides retirement savings benefits through 403(B) THRIFT PLAN FOR CHILD CARE ASSOCIATES. 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.
403(B) THRIFT PLAN FOR CHILD CARE ASSOCIATES Average Participant Retirement Account Value
403(B) THRIFT PLAN FOR CHILD CARE ASSOCIATES Estimated Average Employee Contribution Amount
120,189.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 1,877.00 in 403(B) THRIFT PLAN FOR CHILD CARE ASSOCIATES, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in 403(B) THRIFT PLAN FOR CHILD CARE ASSOCIATES
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.
403(B) THRIFT PLAN FOR CHILD CARE ASSOCIATES Total Employer Contribution and Match Rate
403(B) THRIFT PLAN FOR CHILD CARE ASSOCIATES Estimated Average Employer Match
Investing in this additonal $1,409.00 for 20 years would give you extra $90,196.00, 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.
403(B) THRIFT PLAN FOR CHILD CARE ASSOCIATES Contribution & Match Policy
403(B) THRIFT PLAN FOR CHILD CARE ASSOCIATES Contribution, Match and Other Plan Policies
- Each year, participants may contribute up to 100 percent of pretax or after tax annual compensation, as defined in the Plan.
- Participants who have attained age 50 before the end of the plan year are eligible to make catch-up contributions.
- The Plan includes an automatic contribution arrangement for employees who become participants of the Plan on or after April 1, 2020.
- The salary reductions made on behalf of the employee by the Company begin at 1 percent (%) of compensation and increase each year by 1%, until reaching 4% in the third year of participation.
- The automatic contribution deferral remains at 4% for years subsequent to the third year of participation.
- The Company matches 50% of eligible salary deferrals that do not exceed 4% of participants’ compensation received during the year for all participating employees.
- Participants are immediately vested in their salary deferral contributions plus actual earnings thereon.
- Vesting in the Company’s contribution portion of their accounts is based on years of service.
- A participant is 100% vested after three years of credited 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:
| 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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