Illustrative scenarios, not forecasts or probabilities.
Assumptions
Constant effective annual return, with fees applied annually. Contributions arrive at month-end. No withdrawals, withdrawal taxes, Social Security, or future changes in legal limits are modeled.
Open your benefits portal. Find the Summary Plan Description and current amendments. Look for eligibility, the match formula, vesting, and true-up rules.
Ask HR: What contribution gets the full match, when can I join, and when do I own the employer contributions?
Public employer information may not apply to your role or plan. Confirm the terms before adding a match to your projection.