ERNST & YOUNG RETIREMENT SAVINGS PLAN Contribution & Employer Match
How ERNST & YOUNG U.S. LLP Supports Your Retirement Savings
ERNST & YOUNG U.S. LLP provides retirement savings benefits through ERNST & YOUNG RETIREMENT SAVINGS 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.
ERNST & YOUNG RETIREMENT SAVINGS PLAN Average Participant Retirement Account Value
ERNST & YOUNG RETIREMENT SAVINGS PLAN Estimated Average Employee Contribution Amount
561,515.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 8,773.00 in ERNST & YOUNG RETIREMENT SAVINGS PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in ERNST & YOUNG RETIREMENT SAVINGS 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.
ERNST & YOUNG RETIREMENT SAVINGS PLAN Total Employer Contribution and Match Rate
ERNST & YOUNG RETIREMENT SAVINGS PLAN Estimated Average Employer Match
Investing in this additonal $2,709.00 for 20 years would give you extra $173,390.00, 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.
ERNST & YOUNG RETIREMENT SAVINGS PLAN Contribution & Match Policy
ERNST & YOUNG RETIREMENT SAVINGS PLAN Contribution, Match and Other Plan Policies
- A participant may elect to contribute a specific whole percentage of his or her credited compensation, as defined by the Plan.
- The maximum allowable contribution is 30% of the participant’s credited compensation up to the Internal Revenue Code (the Code) allowable limit ($23,000 for 2024).
- Automatic enrollment has been incorporated in the Plan and applies to eligible members after completion of one year of service.
- If no action is taken, then the participant will be automatically enrolled at a 3% pretax contribution rate into an age-based, default investment option based on his or her date of birth.
- Participants aged 50 or older may make catch-up contributions once the maximum annual amount of regular contributions has been contributed.
- The maximum allowable catch-up contribution limit is $7,500 (for 2024).
- The match is 25% of the first 6% of credited compensation after one year of service and increases to 50% of the first 6% of credited compensation for participants with four or more years of 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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