ONE HOPE UNITED 403(B) PLAN Contribution & Employer Match
How ONE HOPE UNITED Supports Your Retirement Savings
ONE HOPE UNITED provides retirement savings benefits through ONE HOPE UNITED 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.
ONE HOPE UNITED 403(B) PLAN Average Participant Retirement Account Value
ONE HOPE UNITED 403(B) PLAN Estimated Average Employee Contribution Amount
57,415.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 897.00 in ONE HOPE UNITED 403(B) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in ONE HOPE UNITED 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.
ONE HOPE UNITED 403(B) PLAN Total Employer Contribution and Match Rate
ONE HOPE UNITED 403(B) PLAN Estimated Average Employer Match
Investing in this additonal $763.00 for 20 years would give you extra $48,856.00, 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.
ONE HOPE UNITED 403(B) PLAN Contribution & Match Policy
ONE HOPE UNITED 403(B) PLAN Contribution, Match and Other Plan Policies
- Each participant may contribute a specified percentage of pre-tax or after-tax (Roth) compensation, subject to certain IRC limits ($23,000 and $22,500 for 2024 and 2023, respectively).
- Participants who are age 50 or older are entitled to an additional catchup contribution ($7,500 for both 2024 and 2023).
- Participants may also contribute amounts representing distributions from other qualified defined benefit or defined contribution plans (rollovers).
- Participants direct the investment of their contributions into various investment options offered by the Plan.
- The Organization’s board agreed to provide a discretionary non-elective employer contribution of 2% of plan compensation for all employees during 2024 and 2023.
- Participants are fully vested in their salary deferral contributions plus actual earnings thereon.
- In the event of termination due to death, disability or normal retirement, participants shall become 100% vested in the employer contribution portion of their account.
- Effective January 1, 2023, the vesting for employer contributions was changed to 0% vested for year one, 50% vested in year two, and 100% vested in year three.
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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