THAYER ACADEMY 403(B) RETIREMENT PLAN Contribution & Employer Match
How THAYER ACADEMY Supports Your Retirement Savings
THAYER ACADEMY provides retirement savings benefits through THAYER ACADEMY 403(B) 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.
THAYER ACADEMY 403(B) RETIREMENT PLAN Average Participant Retirement Account Value
THAYER ACADEMY 403(B) RETIREMENT PLAN Estimated Average Employee Contribution Amount
254,803.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,981.00 in THAYER ACADEMY 403(B) RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in THAYER ACADEMY 403(B) 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.
THAYER ACADEMY 403(B) RETIREMENT PLAN Total Employer Contribution and Match Rate
THAYER ACADEMY 403(B) RETIREMENT PLAN Estimated Average Employer Match
Investing in this additonal $4,009.00 for 20 years would give you extra $256,618.00, 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.
THAYER ACADEMY 403(B) RETIREMENT PLAN Contribution & Match Policy
THAYER ACADEMY 403(B) RETIREMENT PLAN Contribution, Match and Other Plan Policies
- Participants may make pre-tax and Roth contributions up to 100% of 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.
- The employee is required to contribute at least 5% of their compensation to the Plan.
- The Academy may make a discretionary matching contribution.
- The discretionary matching contribution was 10% of the employee’s compensation for all eligible employees contributing at least 5% of their compensation for the year ended December 31, 2024.
- Participants are immediately vested in their deferral and rollover contributions and the Academy’s contributions plus the earnings on those amounts.
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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