VILLA ESPERANZA 403(B) RETIREMENT SAVINGS PLAN Contribution & Employer Match
How VILLA ESPERANZA SERVICES Supports Your Retirement Savings
VILLA ESPERANZA SERVICES provides retirement savings benefits through VILLA ESPERANZA 403(B) RETIREMENT 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.
VILLA ESPERANZA 403(B) RETIREMENT SAVINGS PLAN Average Participant Retirement Account Value
VILLA ESPERANZA 403(B) RETIREMENT SAVINGS PLAN Estimated Average Employee Contribution Amount
71,931.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 1,123.00 in VILLA ESPERANZA 403(B) RETIREMENT SAVINGS PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in VILLA ESPERANZA 403(B) RETIREMENT 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.
VILLA ESPERANZA 403(B) RETIREMENT SAVINGS PLAN Total Employer Contribution and Match Rate
VILLA ESPERANZA 403(B) RETIREMENT SAVINGS PLAN Estimated Average Employer Match
Investing in this additonal $627.00 for 20 years would give you extra $40,178.00, 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.
VILLA ESPERANZA 403(B) RETIREMENT SAVINGS PLAN Contribution & Match Policy
VILLA ESPERANZA 403(B) RETIREMENT SAVINGS PLAN Contribution, Match and Other Plan Policies
- Participants may contribute up to 100 percent of annual compensation in pre-tax or Roth deferrals, as defined in the plan document and allowed by law.
- The Plan permits catch-up contributions for participants who have attained age 50 by the end of the plan year.
- The Employer provides for matching contributions equal to 100 percent of participant deferrals up to 3 percent of compensation, as defined in the plan document.
- In addition, the Employer made discretionary nonelective contributions during the year.
- During 2024, the Employer contributed $213,716 to the Plan.
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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