KING’S RIDGE CHRISTIAN SCHOOL 403(B) PLAN Contribution & Employer Match
How KING’S RIDGE CHRISTIAN SCHOOL Supports Your Retirement Savings
KING’S RIDGE CHRISTIAN SCHOOL provides retirement savings benefits through KING’S RIDGE CHRISTIAN SCHOOL 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.
KING’S RIDGE CHRISTIAN SCHOOL 403(B) PLAN Average Participant Retirement Account Value
KING’S RIDGE CHRISTIAN SCHOOL 403(B) PLAN Estimated Average Employee Contribution Amount
364,132.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 5,689.00 in KING’S RIDGE CHRISTIAN SCHOOL 403(B) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in KING’S RIDGE CHRISTIAN SCHOOL 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.
KING’S RIDGE CHRISTIAN SCHOOL 403(B) PLAN Total Employer Contribution and Match Rate
KING’S RIDGE CHRISTIAN SCHOOL 403(B) PLAN Estimated Average Employer Match
Investing in this additonal $972.00 for 20 years would give you extra $62,219.00, 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.
KING’S RIDGE CHRISTIAN SCHOOL 403(B) PLAN Contribution & Match Policy
KING’S RIDGE CHRISTIAN SCHOOL 403(B) PLAN Contribution, Match and Other Plan Policies
- Participants may contribute during the Plan year up to the applicable limit pursuant to Code Section 403(b) of their pre-tax annual compensation, as defined by the Plan, subject to certain limitations for highly compensated individuals.
- Participants who attained age 50 before the end of the Plan year may make additional catch-up contributions.
- Effective July 27, 2019, the School elected to amend the Plan for an automatic contribution feature that applies to new participants with an entry date following the automatic deferral effective date.
- Under the automatic contribution feature, the employees will be automatically enrolled at a deferral rate of 3% of compensation.
- The School may, but is not required to make, matching contributions up to 3% of eligible compensation if the participant has completed one year of service and is at least 18 years old.
- During the year ended December 31, 2024, the School made matching contributions equal to 3% of qualified employee compensation up to the amount of the respective employee deferral.
- Participants are immediately vested in their voluntary contributions plus actual earnings thereon.
- Matching contributions become vested once the participant has completed three years of eligible 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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