GEORGETOWN UNIVERSITY DEFINED CONTRIBUTION RETIREMENT PLAN Contribution & Employer Match
How GEORGETOWN UNIVERSITY Supports Your Retirement Savings
GEORGETOWN UNIVERSITY provides retirement savings benefits through GEORGETOWN UNIVERSITY DEFINED CONTRIBUTION 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.
GEORGETOWN UNIVERSITY DEFINED CONTRIBUTION RETIREMENT PLAN Average Participant Retirement Account Value
GEORGETOWN UNIVERSITY DEFINED CONTRIBUTION RETIREMENT PLAN Estimated Average Employee Contribution Amount
83,284.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 1,301.00 in GEORGETOWN UNIVERSITY DEFINED CONTRIBUTION RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in GEORGETOWN UNIVERSITY DEFINED CONTRIBUTION 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.
GEORGETOWN UNIVERSITY DEFINED CONTRIBUTION RETIREMENT PLAN Total Employer Contribution and Match Rate
GEORGETOWN UNIVERSITY DEFINED CONTRIBUTION RETIREMENT PLAN Estimated Average Employer Match
Investing in this additonal $4,206.00 for 20 years would give you extra $269,197.00, 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.
GEORGETOWN UNIVERSITY DEFINED CONTRIBUTION RETIREMENT PLAN Contribution & Match Policy
GEORGETOWN UNIVERSITY DEFINED CONTRIBUTION RETIREMENT PLAN Contribution, Match and Other Plan Policies
- Participants may contribute up to 3% of their Compensation, subject to statutory limitations of the IRC.
- Participants who were permitted to make contributions in excess of 3% as of December 31, 2008 shall be permitted to continue contributing over 3% until the participant changes their contribution deferral election or their employment is terminated.
- At the discretion of the University and upon proper notice, new employees may be automatically enrolled at a pre-tax deferral rate of 1% of Compensation, as defined, unless and until the employee opts out.
- The University is also permitted upon proper notice to implement automatic escalations in which participants whose salary reduction percentage is less than 3%, but more than 1% as of July 1 of a Plan year shall be automatically increased by 1%.
- The University shall make discretionary matching contributions equal to 166.67% of each participant’s contribution, not to exceed 5% of Compensation each pay date.
- The University’s matching contributions are intended to satisfy the actual contribution percentage safe harbor provisions of IRC Section 401(m)(11).
- The University shall make nonelective contributions to participants equal to 5% of Compensation each pay date.
- Participants employed prior to January 1, 1996 who remained eligible as of December 31, 2008 and who have not had a break in service for a period in excess of 12 consecutive months, shall receive nonelective contributions equal to 7% of Compensation each pay date.
- Participants are immediately vested in their contributions, University contributions and Plan earnings (losses) on such contributions.
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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