ONE VOICE CENTRAL TEXAS 403(B) PLAN Contribution & Employer Match
How ONE VOICE CENTRAL TEXAS Supports Your Retirement Savings
ONE VOICE CENTRAL TEXAS provides retirement savings benefits through ONE VOICE CENTRAL TEXAS 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 VOICE CENTRAL TEXAS 403(B) PLAN Average Participant Retirement Account Value
ONE VOICE CENTRAL TEXAS 403(B) PLAN Estimated Average Employee Contribution Amount
159,601.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,493.00 in ONE VOICE CENTRAL TEXAS 403(B) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in ONE VOICE CENTRAL TEXAS 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 VOICE CENTRAL TEXAS 403(B) PLAN Total Employer Contribution and Match Rate
ONE VOICE CENTRAL TEXAS 403(B) PLAN Estimated Average Employer Match
Investing in this additonal $1,431.00 for 20 years would give you extra $91,592.00, 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 VOICE CENTRAL TEXAS 403(B) PLAN Contribution & Match Policy
ONE VOICE CENTRAL TEXAS 403(B) PLAN Contribution, Match and Other Plan Policies
- Participants may contribute up to 100% of pretax annual compensation up to Internal Revenue Service (IRS) limits, as defined by the Plan.
- Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
- The Plan also allows for participants to make Roth elective contributions.
- Participants may also contribute amounts representing distributions from other qualified defined benefit or contribution plans (rollovers).
- Employers may also elect to include an automatic enrollment provision in which participants are subject to automatic enrollment and/or increase in deferral election if no contrary election is made.
- The Plan provides for the participating employers to make matching contributions.
- The Plan permits participating employers to change the amount or percentage of employer contributions at any time.
- Employers can also elect to make a safe harbor plan designated contribution, which aids the employers in passing discrimination testing required by ERISA.
- The participating employers may also elect to make a nonelective contribution in an amount to be determined by the board of directors of the participating employers for each plan year, not to exceed 6%.
- Allocation of these contributions to participants will be made in accordance with the formula selected by the employer as defined in the Plan.
- Participants are immediately 100% vested in their salary deferral contributions and safe-harbor matching contributions plus actual earnings thereon.
- Vesting in discretionary match and nonelective contributions is based on years of service with the participating employer.
- A participant is fully vested in discretionary match and nonelective contributions after six years of service.
- Participating employers are permitted to change the vesting criteria at any time for their employees.
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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