3RIVERS RETIREMENT PLAN Contribution & Employer Match
How THREE RIVERS FEDERAL CREDIT UNION Supports Your Retirement Savings
THREE RIVERS FEDERAL CREDIT UNION provides retirement savings benefits through 3RIVERS 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.
3RIVERS RETIREMENT PLAN Average Participant Retirement Account Value
3RIVERS RETIREMENT PLAN Estimated Average Employee Contribution Amount
271,439.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,241.00 in 3RIVERS RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in 3RIVERS 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.
3RIVERS RETIREMENT PLAN Total Employer Contribution and Match Rate
3RIVERS RETIREMENT PLAN Estimated Average Employer Match
Investing in this additonal $1,976.00 for 20 years would give you extra $126,512.00, 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.
3RIVERS RETIREMENT PLAN Contribution & Match Policy
3RIVERS RETIREMENT PLAN Contribution, Match and Other Plan Policies
- Participants may defer and contribute from 1 percent up to 100 percent of their eligible compensation, as defined by the Plan, not to exceed certain dollar limitations that are set by law.
- An automatic enrollment feature was added to the Plan whereby eligible employees are automatically enrolled at a 8 percent deferral rate (5 percent deferral rate prior to July 15, 2019), but have the option to decline or enroll at a different deferral rate.
- Effective December 1, 2018, for the first day of each Plan year subsequent to automatic deferral, the automatic deferral percentage will increase by one percentage point up to a maximum of 15 percent of compensation.
- Participants age 50 or older may elect to defer and contribute additional amounts to the Plan up to a maximum that is set by law.
- Effective March 1, 2018, the Credit Union is required to make matching contributions of 100 percent of the first 3 percent and 50 percent of the next 5 percent of eligible compensation that a participant contributes to the Plan for the plan year.
- Vesting schedule: Years (or Periods) of Service:
- 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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