ALLIANCE BANK RETIREMENT PLAN Contribution & Employer Match
How ALLIANCE BANK Supports Your Retirement Savings
ALLIANCE BANK provides retirement savings benefits through ALLIANCE BANK 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.
ALLIANCE BANK RETIREMENT PLAN Average Participant Retirement Account Value
ALLIANCE BANK RETIREMENT PLAN Estimated Average Employee Contribution Amount
286,810.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,481.00 in ALLIANCE BANK RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in ALLIANCE BANK 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.
ALLIANCE BANK RETIREMENT PLAN Total Employer Contribution and Match Rate
ALLIANCE BANK RETIREMENT PLAN Estimated Average Employer Match
Investing in this additonal $3,407.00 for 20 years would give you extra $218,067.00, 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.
ALLIANCE BANK RETIREMENT PLAN Contribution & Match Policy
ALLIANCE BANK RETIREMENT PLAN Contribution, Match and Other Plan Policies
- Each year, participants may contribute up to 50% of pre-tax annual compensation, as defined in the Plan, and post-tax Roth 401(k) contributions.
- Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
- Participants may also contribute amounts representing distributions from other qualified defined benefit or contribution plans.
- Participants direct the investment of their contributions into various investment options offered by the Plan.
- Contributions are automatically invested in a designated balanced fund until changed by the participant.
- The Company will make a safe harbor matching contribution equal to 100% of the first 3% and 50% of the next 2% of the participant’s contributions.
- Participants are immediately vested in their contributions plus actual earnings thereon.
- Vesting in the Company’s contribution portion of their accounts plus actual earnings thereon is based on years of continuous service.
- A participant is fully vested after six years of credited service.
- A participant is also fully vested upon reaching early retirement age, upon death, or upon becoming totally and permanently disabled.
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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