SAFER FOUNDATION 403(B) SAVINGS PLAN Contribution & Employer Match
How SAFER FOUNDATION Supports Your Retirement Savings
SAFER FOUNDATION provides retirement savings benefits through SAFER FOUNDATION 403(B) SAVINGS 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.
SAFER FOUNDATION 403(B) SAVINGS PLAN Average Participant Retirement Account Value
SAFER FOUNDATION 403(B) SAVINGS PLAN Estimated Average Employee Contribution Amount
73,910.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 1,154.00 in SAFER FOUNDATION 403(B) SAVINGS PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in SAFER FOUNDATION 403(B) SAVINGS 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.
SAFER FOUNDATION 403(B) SAVINGS PLAN Total Employer Contribution and Match Rate
SAFER FOUNDATION 403(B) SAVINGS PLAN Estimated Average Employer Match
Investing in this additonal $1,331.00 for 20 years would give you extra $85,190.00, 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.
SAFER FOUNDATION 403(B) SAVINGS PLAN Contribution & Match Policy
SAFER FOUNDATION 403(B) SAVINGS PLAN Contribution, Match and Other Plan Policies
- Each year participants may contribute a percentage of annual compensation, as defined in the Plan.
- Eligible compensation for any plan year shall not exceed the maximum provided by the Internal Revenue Code (IRC).
- Contributions can be made on a before-tax or Roth basis.
- Age 50 and over participants can contribute an additional amount as a "catch-up contribution."
- For employees who are of age 21 or older, have completed 1,000 hours and one year of service and who are not highly compensated (as defined), Safer Foundation will match 50% of elected deferrals limited to 3% of compensation.
- For the years ended December 31, 2024 and 2023, Safer Foundation made an additional contribution equal to 3% of eligible compensation.
- Participants are immediately vested in their contributions plus actual earnings thereon.
- Participants are 0% vested in the Company’s matching and discretionary contributions plus actual earnings until three years of credited service has been reached, at which time they become 100% vested.
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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