Employer contributions

Columbia University contributes to your plan account on your behalf. You are immediately eligible to receive contributions; you will be automatically enrolled in the plan.

Every pay period, Columbia University will contribute an amount equal to a given percentage of certain portions of your compensation as determined by the following table:

Years of service	Age	Contribution formula
Less than 5 years	Any age	5% of your salary up to the Social Security wage base, then 10% of your salary above the Social Security wage base
5 years or more	Under age 40	5% of your salary up to the Social Security wage base, then 10% of your salary above the Social Security wage base
5 years or more	Age 40 or older	10% of your salary up to the Social Security wage base, then 15% of your salary above the Social Security wage base
15 years or more	Age 55 or older	15% of your salary up to the Social Security wage base, then 20% of your salary above the Social Security wage base

IRS contribution limits
The IRS also limits the amount that can be contributed to your account. For current IRS contribution limits, go to vanguard.com/contributionlimits.

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