ADTALEM GLOBAL EDUCATION RETIREMENT PLAN Contribution & Employer Match
How ADTALEM GLOBAL EDUCATION, INC. Supports Your Retirement Savings
ADTALEM GLOBAL EDUCATION, INC. provides retirement savings benefits through ADTALEM GLOBAL EDUCATION 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.
ADTALEM GLOBAL EDUCATION RETIREMENT PLAN Average Participant Retirement Account Value
ADTALEM GLOBAL EDUCATION RETIREMENT PLAN Estimated Average Employee Contribution Amount
296,881.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,638.00 in ADTALEM GLOBAL EDUCATION RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in ADTALEM GLOBAL EDUCATION 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.
ADTALEM GLOBAL EDUCATION RETIREMENT PLAN Total Employer Contribution and Match Rate
ADTALEM GLOBAL EDUCATION RETIREMENT PLAN Estimated Average Employer Match
Investing in this additonal $2,814.00 for 20 years would give you extra $180,102.00, 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.
ADTALEM GLOBAL EDUCATION RETIREMENT PLAN Contribution & Match Policy
ADTALEM GLOBAL EDUCATION RETIREMENT PLAN Contribution, Match and Other Plan Policies
- The Plan is funded by voluntary employee pre-tax contributions and after-tax Roth contributions.
- Participant contributions are subject to limitations set by the Internal Revenue Service (IRS).
- Participant contributions are made by payroll deductions and are determined each pay period by multiplying the participant selected contribution rate then in effect by his/her eligible compensation for such period.
- The Plan has an auto enrollment feature for newly hired employees.
- Unless they elect otherwise, participants are automatically enrolled at 4% of eligible compensation.
- The Plan offers an annual increase program that automatically increases a participant’s deferral by 1% each year unless the participants opt out.
- The Plan also allows the participant to contribute into the Plan balances from another qualified benefit plan, known as rollover contributions.
- Effective January 1, 2020, Adtalem makes a matching Employer contribution into the Plan of 100% up to the first 6% of the participant’s compensation (as defined) and eliminated future discretionary contributions.
- Participants are fully vested in their contributions and related investment earnings and losses at all times.
- Participants are immediately vested in Employer’s contributions, other than any discretionary contributions made to the Plan by Adtalem in prior years.
- Discretionary contributions made by Adtalem are ratably vested over a five-year period.
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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