4EARTH FARMS RETIREMENT PLAN Contribution & Employer Match
How 4EARTH FARMS, LLC Supports Your Retirement Savings
4EARTH FARMS, LLC provides retirement savings benefits through 4EARTH FARMS 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.
4EARTH FARMS RETIREMENT PLAN Average Participant Retirement Account Value
4EARTH FARMS RETIREMENT PLAN Estimated Average Employee Contribution Amount
106,939.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 1,670.00 in 4EARTH FARMS RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in 4EARTH FARMS 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.
4EARTH FARMS RETIREMENT PLAN Total Employer Contribution and Match Rate
4EARTH FARMS RETIREMENT PLAN Estimated Average Employer Match
Investing in this additonal $1,134.00 for 20 years would give you extra $72,584.00, 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.
4EARTH FARMS RETIREMENT PLAN Contribution & Match Policy
4EARTH FARMS RETIREMENT PLAN Contribution, Match and Other Plan Policies
- Participants may elect to defer up to 75% of their pretax annual compensation, as defined in the Plan.
- Participants may also elect to make Roth contributions utilizing after-tax contributions.
- Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
- The Company makes safe harbor matching contributions equal to 100% of the first 5% of eligible compensation deferred to the Plan.
- Participants are vested immediately in their contributions and the Company’s safe harbor matching contribution portion of their accounts plus actual earnings thereon.
- A participant is 100% vested in the Company’s discretionary profit-sharing contributions after three years of credited service.
4EARTH FARMS RETIREMENT PLAN Maximum Employer Match Calculator
This calculator helps participants of 4EARTH FARMS RETIREMENT PLAN to calculate the minimal bi-weekly contribution that would generate the maximum employer match allowed. It takes into account IRS annual contribution limits. Please update the annual contribution limits below if they are outdated.
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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