AHOLD USA, INC. 401(K) RETIREMENT SAVINGS PLAN Contribution & Employer Match
AHOLD USA, INC. 401(K) RETIREMENT SAVINGS PLAN Contribution & Employer Match
AHOLD USA, INC. provides the following retirement savings benefits to its employees:
2023 & 2024 401(k) contribution limits by IRS
| Pretax and roth employee contributions | Employee and employer contributions combined | Catch-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 AHOLD USA, INC. 401(K) 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’.
AHOLD USA, INC. 401(K) RETIREMENT SAVINGS PLAN Contribution & Match Policy
1. Employee Contribution Rates: Employees can contribute up to 75% of their pretax or post-tax annual compensation.
2. Employer Match/Contribution Conditions: The employer contributes 100% of the first 5% of base compensation that a participant contributes to the Plan.
3. Vesting Schedule/Eligibility: Participants are 100% vested in the employer contributions at the time of deposit. For Safe Harbor Matching Contributions and Discretionary Results Based Contributions, participants become 100% vested after two years of service. Prior Matching Contributions vest at 20% after one year and 100% after two years.
4. Roth 401(k) Contribution: The plan allows for in-plan Roth rollovers.
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