FAMILY DEVELOPMENT SERVICES INC. 403B RETIREMENT PLAN Contribution & Employer Match
How FAMILY DEVELOPMENT SERVICES INC. Supports Your Retirement Savings
FAMILY DEVELOPMENT SERVICES INC. provides retirement savings benefits through FAMILY DEVELOPMENT SERVICES INC. 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.
FAMILY DEVELOPMENT SERVICES INC. 403B RETIREMENT PLAN Average Participant Retirement Account Value
FAMILY DEVELOPMENT SERVICES INC. 403B RETIREMENT PLAN Estimated Average Employee Contribution Amount
68,021.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 1,062.00 in FAMILY DEVELOPMENT SERVICES INC. 403B RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in FAMILY DEVELOPMENT SERVICES INC. 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.
FAMILY DEVELOPMENT SERVICES INC. 403B RETIREMENT PLAN Total Employer Contribution and Match Rate
FAMILY DEVELOPMENT SERVICES INC. 403B RETIREMENT PLAN Estimated Average Employer Match
Investing in this additonal $1,062.00 for 20 years would give you extra $68,022.00, 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.
FAMILY DEVELOPMENT SERVICES INC. 403B RETIREMENT PLAN Contribution & Match Policy
FAMILY DEVELOPMENT SERVICES INC. 403B RETIREMENT PLAN Contribution, Match and Other Plan Policies
- Plan participants may authorize the Employer to make salary deferral contributions to the Plan up to the maximum amount allowed under provisions of the IRC.
- Participants may also make rollover contributions from amounts distributed to them from other qualified plans.
- Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
- The Plan Sponsor may make discretionary contributions to the Plan.
- Participants are 100% vested in their rollover contributions, salary deferral contributions and earnings thereon.
- Participants are 100% vested in Employer contributions after three 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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