JUSTICE INNOVATION INC. 403(B) PLAN Contribution & Employer Match
How JUSTICE INNOVATION INC. Supports Your Retirement Savings
JUSTICE INNOVATION INC. provides retirement savings benefits through JUSTICE INNOVATION INC. 403(B) 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.
JUSTICE INNOVATION INC. 403(B) PLAN Average Participant Retirement Account Value
JUSTICE INNOVATION INC. 403(B) PLAN Estimated Average Employee Contribution Amount
460,463.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 7,194.00 in JUSTICE INNOVATION INC. 403(B) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in JUSTICE INNOVATION INC. 403(B) 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.
JUSTICE INNOVATION INC. 403(B) PLAN Total Employer Contribution and Match Rate
JUSTICE INNOVATION INC. 403(B) PLAN Estimated Average Employer Match
Investing in this additonal $4,680.00 for 20 years would give you extra $299,565.00, 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.
JUSTICE INNOVATION INC. 403(B) PLAN Contribution & Match Policy
JUSTICE INNOVATION INC. 403(B) PLAN Contribution, Match and Other Plan Policies
- Each year, participants may contribute to the Plan a portion of their pre-tax or after-tax annual compensation, as defined in the Plan, subject to the Internal Revenue Service (IRS) limits.
- Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
- The Plan does not have an auto-enrollment feature.
- The Sponsor will contribute a matching contribution of two times the employee’s contribution to the Plan up to a maximum of five percent of the participant’s annual compensation calculated on a per-pay period basis.
- Participants are eligible to receive a matching contribution after completing six months of service and obtaining the age of 21 during the Plan year.
- Participants are vested immediately in their voluntary contributions and rollover contributions plus actual earnings thereon.
- Vesting in the Employer’s contribution portion of their accounts is based on years of continuous service.
- A participant is 100 percent vested after two 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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