DFCU FINANCIAL 401(K) PLAN Contribution & Employer Match

How DFCU FINANCIAL Supports Your Retirement Savings

DFCU FINANCIAL provides retirement savings benefits through DFCU FINANCIAL 401(K) 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.

DFCU FINANCIAL 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for DFCU FINANCIAL 401(K) PLAN is $163,383.00

DFCU FINANCIAL 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for DFCU FINANCIAL 401(K) PLAN is $5,525.00. 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.
353,612.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 5,525.00 in DFCU FINANCIAL 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in DFCU FINANCIAL 401(K) 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.

DFCU FINANCIAL 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, DFCU FINANCIAL 401(K) PLAN allocates $3,479,729.00 to match its employees’ contributions, providing an employer match rate of 85.40% of their contributions

DFCU FINANCIAL 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in DFCU FINANCIAL 401(K) PLAN is approximately $4,349.00
Investing in this additonal $4,349.00 for 20 years would give you extra $278,378.00, 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.

DFCU FINANCIAL 401(K) PLAN Contribution & Match Policy

DFCU FINANCIAL 401(K) PLAN Plan Policies

DFCU FINANCIAL 401(K) PLAN Contribution, Match and Other Plan Policies

  • Each year, participants may elect to contribute up to 60% of their eligible compensation, as defined in the plan document.
  • Participants may also elect to make Roth contributions, or after-tax contributions, up to 100% of their eligible compensation, as defined in the plan document, in addition pre-tax employee contributions.
  • Participants are automatically enrolled to defer 6% of their pre-tax eligible compensation, unless the participant specifically declines enrollment or alters the contribution amount.
  • The auto enrollment includes enrollment in the annual automatic increase program which increases a participant’s contribution by 1% each year until they reach a contribution level of 10%.
  • Employees may opt out of the auto increase program.
  • Participants who have attained age 50 before the end of the plan year are eligible to make catch-up contributions.
  • Discretionary employer matching contributions, which for the year ended December 31, 2024, equaled 100% of deferrals up to a maximum of 4% of eligible employee compensation.
  • Participants are immediately vested in their deferral contributions plus actual earnings thereon.
  • Employer matching and discretionary non-elective contributions are subject to a three year vesting schedule based on years of service.
  • Participants are 100% vested after the completion of three years of service or upon death.
  • Employer matching and discretionary non-elective contributions will be vested in accordance with the following schedule: Years of Service for Vesting Percentage Less than three 0% Three 100%

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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