YALE UNIVERSITY MATCHING RETIREMENT PLAN Contribution & Employer Match

YALE UNIVERSITY MATCHING RETIREMENT PLAN Contribution & Employer Match

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

YALE UNIVERSITY MATCHING RETIREMENT PLAN Average Participant Retirement Account Value

In 2023, the average participant retirement account value for YALE UNIVERSITY MATCHING RETIREMENT PLAN is $65,416.00

YALE UNIVERSITY MATCHING RETIREMENT PLAN Estimated Average Employee Contribution Amount

In 2023, the estimated average employee contribution amount per participant for YALE UNIVERSITY MATCHING RETIREMENT PLAN is $2,812.00. 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.
179,968.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,812.00 in YALE UNIVERSITY MATCHING RETIREMENT 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 YALE UNIVERSITY MATCHING RETIREMENT 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’.

YALE UNIVERSITY MATCHING RETIREMENT PLAN Total Employer Contribution and Match Rate

In 2023, YALE UNIVERSITY MATCHING RETIREMENT PLAN allocates $7,924,926.00 to match its employees' contributions, providing an employer match rate of 34.83% of their contributions

YALE UNIVERSITY MATCHING RETIREMENT PLAN Estimated Average Employer Match

In 2023, the estimated average employer match for an employee in YALE UNIVERSITY MATCHING RETIREMENT PLAN is approximately $962.00
Investing in this additonal $962.00 for 20 years would give you extra $61,575.00, assuming a 10% annual return.

YALE UNIVERSITY MATCHING RETIREMENT PLAN Contribution & Match Policy

1. Employee Contribution Rates: Employees can contribute up to 75 percent of eligible compensation.

2. Employer Match/Contribution Conditions: The university matches dollar for dollar a participant’s contributions. For participants aged 45 with five years of service, the match is up to 4% of eligible compensation. For those with two years of service (but not meeting the first condition), the match is up to 2%. For those hired on or after January 23, 2022, the match conditions vary based on age and service length, with a maximum of 3% for those with ten years of service, 2% for three years, and 25% match up to 2% for two years.

3. Vesting Schedule/Eligibility: Participants are immediately vested in 100% of their contributions, the university matching contribution, and the earnings of their account.

4. Roth 401(k) Contribution: The plan allows Roth 403(b) contributions.

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