AGENCY FOR COMMUNITY TRANSIT 403B RETIREMENT PLAN Contribution & Employer Match
How AGENCY FOR COMMUNITY TRANSIT Supports Your Retirement Savings
AGENCY FOR COMMUNITY TRANSIT provides retirement savings benefits through AGENCY FOR COMMUNITY TRANSIT 403B 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.
AGENCY FOR COMMUNITY TRANSIT 403B RETIREMENT PLAN Average Participant Retirement Account Value
AGENCY FOR COMMUNITY TRANSIT 403B RETIREMENT PLAN Estimated Average Employee Contribution Amount
491,713.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 7,683.00 in AGENCY FOR COMMUNITY TRANSIT 403B RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in AGENCY FOR COMMUNITY TRANSIT 403B 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.
AGENCY FOR COMMUNITY TRANSIT 403B RETIREMENT PLAN Total Employer Contribution and Match Rate
AGENCY FOR COMMUNITY TRANSIT 403B RETIREMENT PLAN Estimated Average Employer Match
Investing in this additonal $4,744.00 for 20 years would give you extra $303,667.00, 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.
AGENCY FOR COMMUNITY TRANSIT 403B RETIREMENT PLAN Contribution & Match Policy
AGENCY FOR COMMUNITY TRANSIT 403B RETIREMENT PLAN Contribution, Match and Other Plan Policies
- Each year, participants may contribute a portion of their salary not to exceed the limits prescribed by law.
- Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
- The Plan includes a fixed matching contribution from the Company that is limited based on the participant contributions.
- The calculation is 200 percent of the elective deferrals of the participant between 2.5% and 5%.
- The Company makes its contributions each pay period with the elective deferral contributions, once the participant has completed one year of service and is age 21 or older.
- Participants are immediately vested with respect to their voluntary contributions and actual earnings on these contributions.
- With respect to employer contributions, vesting is based on years of continuous service.
- A participant is 100 percent vested after six 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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