VILLANOVA UNIVERSITY RETIREMENT SAVINGS PLAN Contribution & Employer Match

VILLANOVA UNIVERSITY RETIREMENT SAVINGS PLAN Contribution & Employer Match

VILLANOVA UNIVERSITY provides the following retirement savings benefits to its employees:

VILLANOVA UNIVERSITY RETIREMENT SAVINGS PLAN Average Participant Retirement Account Value

In 2023, the average participant retirement account value for VILLANOVA UNIVERSITY RETIREMENT SAVINGS PLAN is $223,332.00

VILLANOVA UNIVERSITY RETIREMENT SAVINGS PLAN Estimated Average Employee Contribution Amount

In 2023, the estimated average employee contribution amount per participant for VILLANOVA UNIVERSITY RETIREMENT SAVINGS PLAN is $4,427.00. If you contribute an amount exceeding this, you have saved more than your colleagues. Congratulations! Keep up the good work. Otherwise, you might want to consider contributing more to ensure a better retirement future.
283,329.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,427.00 in VILLANOVA UNIVERSITY RETIREMENT SAVINGS PLAN, assuming a 10%* annual return.

2023 & 2024 401(k) contribution limits by IRS

 Pretax and roth employee contributionsEmployee and employer contributions combinedCatch-up contributions (in addition to the employee and employer combined limit, age 50 and over)
401(k) contribution limit for 2023$22,500$66,000$7,500
401(k) contribution limit for 2024$23,000$69,000$7,500

$1,440,056: this is the amount you will have saved 20 years later if you contribute the maximum of $22,500 annually for 20 years, assuming a 10%* annual return.

$4,224,165: for those who can maximize employee and employer annual $66,000 contributions for 20 years, assuming a 10%* annual return, you will be 3 times richer!

Use the 401(k) Savings Calculator to determine how much your contributions will accumulate over time.

Employer match in VILLANOVA UNIVERSITY RETIREMENT SAVINGS PLAN

An employer match is deemed as ‘free’ money wherein your employer contributes additional funds to your allocated retirement savings plan. The matching amount can frequently be several percentage points of your compensation. Don’t avoid this free salary ‘raise’.

VILLANOVA UNIVERSITY RETIREMENT SAVINGS PLAN Total Employer Contribution and Match Rate

In 2023, VILLANOVA UNIVERSITY RETIREMENT SAVINGS PLAN allocates $19,205,111.00 to match its employees' contributions, providing an employer match rate of 95.99% of their contributions

VILLANOVA UNIVERSITY RETIREMENT SAVINGS PLAN Estimated Average Employer Match

In 2023, the estimated average employer match for an employee in VILLANOVA UNIVERSITY RETIREMENT SAVINGS PLAN is approximately $4,016.00
Investing in this additonal $4,016.00 for 20 years would give you extra $257,032.00, assuming a 10% annual return.

VILLANOVA UNIVERSITY RETIREMENT SAVINGS PLAN Contribution & Match Policy

1. Employee Contribution Rates: Employees can contribute up to 100% of their salary, subject to a maximum limit of $20,500 in 2022 (and $19,500 in 2021). Additionally, employees with 15 years of service may contribute up to an additional $3,000, and those over age 50 may contribute an extra $6,500.

2. Employer Match/Contribution Conditions: The employer matches employee contributions up to 5% of the employee's compensation and also provides an additional basic contribution of 3.5% for active participants with less than 10 years of service or 5% for those with 10 or more years of service.

3. Vesting Schedule/Eligibility: Participants are fully and immediately vested in their entire account including employer contributions. Eligibility requires completing one year of service and attaining age 21.

4. Roth 401(k) Contribution: Participants may designate contributions as Roth contributions.

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