ROBIN HOOD 403(B) EMPLOYEE DEFERRAL PLAN Contribution & Employer Match

How ROBIN HOOD FOUNDATION Supports Your Retirement Savings

ROBIN HOOD FOUNDATION provides retirement savings benefits through ROBIN HOOD 403(B) EMPLOYEE DEFERRAL 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.

ROBIN HOOD 403(B) EMPLOYEE DEFERRAL PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for ROBIN HOOD 403(B) EMPLOYEE DEFERRAL PLAN is $113,167.00

ROBIN HOOD 403(B) EMPLOYEE DEFERRAL PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for ROBIN HOOD 403(B) EMPLOYEE DEFERRAL PLAN is $6,247.00. If you contribute an amount exceeding this, you have saved more than your colleagues. Congratulations! Keep up the good work. Otherwise, you might want to consider contributing more to ensure a better retirement future.
399,824.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 6,247.00 in ROBIN HOOD 403(B) EMPLOYEE DEFERRAL PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in ROBIN HOOD 403(B) EMPLOYEE DEFERRAL 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.

ROBIN HOOD 403(B) EMPLOYEE DEFERRAL PLAN Total Employer Contribution and Match Rate

In 2024, ROBIN HOOD 403(B) EMPLOYEE DEFERRAL PLAN allocates $258,449.00 to match its employees’ contributions, providing an employer match rate of 21.32% of their contributions

ROBIN HOOD 403(B) EMPLOYEE DEFERRAL PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in ROBIN HOOD 403(B) EMPLOYEE DEFERRAL PLAN is approximately $1,254.00
Investing in this additonal $1,254.00 for 20 years would give you extra $80,294.00, 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.

ROBIN HOOD 403(B) EMPLOYEE DEFERRAL PLAN Contribution & Match Policy

ROBIN HOOD 403(B) EMPLOYEE DEFERRAL PLAN Plan Policies

ROBIN HOOD 403(B) EMPLOYEE DEFERRAL PLAN Contribution, Match and Other Plan Policies

  • Each year, participants may contribute up to 100 percent of pre-tax annual compensation, as defined in the Plan.
  • Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
  • Pre-tax contributions are limited to base annual salary ("Compensation"), subject to the requirements under Section 402(g) of the Internal Revenue Code (the "Code"), or $23,000 and $22,500, respectively, for the Plan years ended December 31, 2024 and 2023.
  • The Plan provides for automatic deferrals of pre-tax contributions for participants who meet the eligibility requirements of the Plan after June 1, 2009.
  • The automatic deferral rate is 3% of the participant’s compensation each payroll period and there is no automatic escalation.
  • The participant may enter a salary reduction agreement at any time to select an alternative deferral amount.
  • The match is a contribution by the Plan Sponsor which is a fixed amount equal to 100% of the participant elective deferrals.
  • In applying this matching percentage, only elective deferrals up to $2,500 per Plan year will be matched.
  • There is a three-month service requirement required for the Plan Sponsor match.
  • Once the three month service is satisfied, elective deferral contributions made from the date of hire will be matched.
  • Participants’ contributed funds arising from elective deferrals and the earnings thereon are fully vested at all times.
  • Vesting in the employer contribution portion of their accounts is based on years of continuous service.
  • A participant is 25 percent vested after 2 years of service, 50 percent vested after 3 years of service, 75 percent after 4 years of service and 100 percent vested after five years of credited service.
  • If an employee is terminated and not 100% vested, the non-vested balance will be deemed a forfeiture.

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:

 20242025
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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