THE CEDARS OF MARIN 403(B) DC PLAN Contribution & Employer Match
How THE CEDARS OF MARIN Supports Your Retirement Savings
THE CEDARS OF MARIN provides retirement savings benefits through THE CEDARS OF MARIN 403(B) DC 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.
THE CEDARS OF MARIN 403(B) DC PLAN Average Participant Retirement Account Value
THE CEDARS OF MARIN 403(B) DC PLAN Estimated Average Employee Contribution Amount
625,339.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 9,770.00 in THE CEDARS OF MARIN 403(B) DC PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in THE CEDARS OF MARIN 403(B) DC 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.
THE CEDARS OF MARIN 403(B) DC PLAN Total Employer Contribution and Match Rate
THE CEDARS OF MARIN 403(B) DC PLAN Estimated Average Employer Match
Investing in this additonal $1,824.00 for 20 years would give you extra $116,772.00, 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.
THE CEDARS OF MARIN 403(B) DC PLAN Contribution & Match Policy
THE CEDARS OF MARIN 403(B) DC PLAN Contribution, Match and Other Plan Policies
- Participants may contribute up to 100 percent of annual compensation in pre-tax or Roth deferrals into the Plan, as defined in the plan document and allowed by law.
- Participants may also roll over amounts representing distributions from other qualified plans.
- The Plan permits catch-up contributions for participants who have attained age 50 by the end of the plan year.
- In addition, the Plan permits special Internal Revenue Code (IRC) Section 403(b) catch-up contributions for employees who have completed 15 years of service with the Employer.
- The Plan also provides for automatic election of participant contributions at a rate of 4 percent of compensation.
- Participants may affirmatively elect a different contribution percentage or elect not to defer into the Plan.
- Employer contributions are discretionary.
- Participants are eligible to receive employer contributions upon completing 12 months of credited service and attaining age 18.
- For the year ended December 31, 2024, employer contributions allocated to participants’ accounts totaled $220,518 of which $217,800 was contributed by the Employer and $2,718 was allocated from forfeitures.
- Participants are immediately vested in their contributions plus actual earnings thereon. Vesting in the employer contribution portion of their accounts plus actual earnings thereon is based on years of credited service as follows: Credited Service Percent
- Less than 1 years: 0%
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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