VILLAGE COMMUNITY SCHOOL 403(B) DEFINED CONTRIBUTION PLAN Contribution & Employer Match
How VILLAGE COMMUNITY SCHOOL Supports Your Retirement Savings
VILLAGE COMMUNITY SCHOOL provides retirement savings benefits through VILLAGE COMMUNITY SCHOOL 403(B) DEFINED CONTRIBUTION 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.
VILLAGE COMMUNITY SCHOOL 403(B) DEFINED CONTRIBUTION PLAN Average Participant Retirement Account Value
VILLAGE COMMUNITY SCHOOL 403(B) DEFINED CONTRIBUTION PLAN Estimated Average Employee Contribution Amount
324,702.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 5,073.00 in VILLAGE COMMUNITY SCHOOL 403(B) DEFINED CONTRIBUTION PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in VILLAGE COMMUNITY SCHOOL 403(B) DEFINED CONTRIBUTION 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.
VILLAGE COMMUNITY SCHOOL 403(B) DEFINED CONTRIBUTION PLAN Total Employer Contribution and Match Rate
VILLAGE COMMUNITY SCHOOL 403(B) DEFINED CONTRIBUTION PLAN Estimated Average Employer Match
Investing in this additonal $3,276.00 for 20 years would give you extra $209,664.00, 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.
VILLAGE COMMUNITY SCHOOL 403(B) DEFINED CONTRIBUTION PLAN Contribution & Match Policy
VILLAGE COMMUNITY SCHOOL 403(B) DEFINED CONTRIBUTION PLAN Contribution, Match and Other Plan Policies
- Participants may elect to contribute, as a pre-tax or a Roth deferral, a certain percentage of their annual eligible compensation, subject to limitations as provided in the Code.
- Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
- The Plan allows for an employer discretionary contribution to the Plan after completion of one required year of service.
- During 2024, the employer contributed 4.5% of a participant’s eligible compensation for participants who had one year of service and contributed 9% of a participant’s eligible compensation for participants who had two years of required service.
- Participants are vested in all contributions, plus actual earnings thereon, immediately when made.
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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