403(B) THRIFT PLAN FOR EMPLOYEES OF PATHPOINT Contribution & Employer Match
How PATHPOINT Supports Your Retirement Savings
PATHPOINT provides retirement savings benefits through 403(B) THRIFT PLAN FOR EMPLOYEES OF PATHPOINT. 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 EMPLOYEES OF PATHPOINT Average Participant Retirement Account Value
403(B) THRIFT PLAN FOR EMPLOYEES OF PATHPOINT Estimated Average Employee Contribution Amount
164,226.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,566.00 in 403(B) THRIFT PLAN FOR EMPLOYEES OF PATHPOINT, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in 403(B) THRIFT PLAN FOR EMPLOYEES OF PATHPOINT
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 EMPLOYEES OF PATHPOINT Total Employer Contribution and Match Rate
403(B) THRIFT PLAN FOR EMPLOYEES OF PATHPOINT Estimated Average Employer Match
Investing in this additonal $618.00 for 20 years would give you extra $39,598.00, 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 EMPLOYEES OF PATHPOINT Contribution & Match Policy
403(B) THRIFT PLAN FOR EMPLOYEES OF PATHPOINT Contribution, Match and Other Plan Policies
- Participants may contribute a percentage of their annual compensation, as defined in the Plan, up to the maximum limit as permitted by the IRC.
- In addition, participants qualifying for age-based provisions may contribute additional catch-up deferrals.
- The employer matching contribution is a fixed amount equal to 100% of the participant’s salary deferral and age-based catch-up contributions are included.
- Highly compensated participants, as defined in the Plan, are eligible for a maximum match of 2% of their annual compensation.
- Non-highly compensated participants are eligible for a maximum match of up to 6% of their annual compensation according to the following table: Years of Service Percentage of Compensation Less than 2 years 0.0% Less than 4 years 2.0% Less than 6 years 3.0% Less than 7 years 4.5% Greater than 7 years 6.0%
- Participants are fully vested in their contributions and in the employer matching contribution plus actual earnings.
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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