NORTHWEST AGC CHAPTERS RETIREMENT PLAN Contribution & Employer Match
How OREGON – COLUMBIA CHAPTER AGC Supports Your Retirement Savings
OREGON – COLUMBIA CHAPTER AGC provides retirement savings benefits through NORTHWEST AGC CHAPTERS 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.
NORTHWEST AGC CHAPTERS RETIREMENT PLAN Average Participant Retirement Account Value
NORTHWEST AGC CHAPTERS RETIREMENT PLAN Estimated Average Employee Contribution Amount
132,613.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,072.00 in NORTHWEST AGC CHAPTERS RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in NORTHWEST AGC CHAPTERS 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.
NORTHWEST AGC CHAPTERS RETIREMENT PLAN Total Employer Contribution and Match Rate
NORTHWEST AGC CHAPTERS RETIREMENT PLAN Estimated Average Employer Match
Investing in this additonal $2,003.00 for 20 years would give you extra $128,254.00, 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.
NORTHWEST AGC CHAPTERS RETIREMENT PLAN Contribution & Match Policy
NORTHWEST AGC CHAPTERS RETIREMENT PLAN Contribution, Match and Other Plan Policies
- Participants may elect to contribute between 1% and 100% of eligible compensation to the Plan each year subject to dollar limitations under the Internal Revenue Code.
- Participants are fully vested in their salary deferrals plus actual earnings thereon.
- The vesting percentage schedule for employer contributions is selected by each employer in their Joinder agreement.
- A participant’s vested interest will convert to 100% in the following circumstances: (1) death while an employee, (2) termination of employment due to total and permanent disability while an employee, (3) attainment of normal retirement age, or (4) Plan termination.
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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