J127 EDUCATION FOUNDATION 403(B) THRIFT PLAN Contribution & Employer Match
How J127 EDUCATION FOUNDATION Supports Your Retirement Savings
J127 EDUCATION FOUNDATION provides retirement savings benefits through J127 EDUCATION FOUNDATION 403(B) THRIFT 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.
J127 EDUCATION FOUNDATION 403(B) THRIFT PLAN Average Participant Retirement Account Value
J127 EDUCATION FOUNDATION 403(B) THRIFT PLAN Estimated Average Employee Contribution Amount
86,428.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 1,350.00 in J127 EDUCATION FOUNDATION 403(B) THRIFT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in J127 EDUCATION FOUNDATION 403(B) THRIFT 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.
J127 EDUCATION FOUNDATION 403(B) THRIFT PLAN Total Employer Contribution and Match Rate
J127 EDUCATION FOUNDATION 403(B) THRIFT PLAN Estimated Average Employer Match
Investing in this additonal $184.00 for 20 years would give you extra $11,789.00, 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.
J127 EDUCATION FOUNDATION 403(B) THRIFT PLAN Contribution & Match Policy
J127 EDUCATION FOUNDATION 403(B) THRIFT PLAN Contribution, Match and Other Plan Policies
- Each year, participants may elect to make contributions from $200 up to the maximum allowable contribution amount under the Internal Revenue Code (IRC).
- These contributions may be made as pretax or after-tax Roth (effective August 29, 2023) deferral contributions.
- Participants who have worked at least fifteen years for the Foundation may make special 403(b) catch-up contributions, as defined.
- Participants who have attained age 50 before the end of the plan year are also eligible to make catch-up contributions.
- For 2024, the Foundation chose to contribute a discretionary matching contribution equal to 25% of the first 7% of each participant’s contribution (including catch-up), totaling $57,033.
- Participants are immediately vested in their contributions, QNECs and QMACs plus earnings thereon.
- Vesting in the Foundation’s matching contribution and any discretionary contribution plus earnings thereon is based on years of service.
- A participant is not fully vested in the matching and discretionary contributions until they have completed five years of service.
- Regardless of the vesting schedule, participants will become fully vested upon reaching early retirement age, death or total and permanent disability while employed with the Foundation.
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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