AUTOGERMANA BMW 1165(E) SAVINGS PLAN Contribution & Employer Match
How AUTOGERMANA BMW, INC. Supports Your Retirement Savings
AUTOGERMANA BMW, INC. provides retirement savings benefits through AUTOGERMANA BMW 1165(E) SAVINGS 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.
AUTOGERMANA BMW 1165(E) SAVINGS PLAN Average Participant Retirement Account Value
AUTOGERMANA BMW 1165(E) SAVINGS PLAN Estimated Average Employee Contribution Amount
355,814.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 5,559.00 in AUTOGERMANA BMW 1165(E) SAVINGS PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in AUTOGERMANA BMW 1165(E) SAVINGS 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.
AUTOGERMANA BMW 1165(E) SAVINGS PLAN Total Employer Contribution and Match Rate
AUTOGERMANA BMW 1165(E) SAVINGS PLAN Estimated Average Employer Match
Investing in this additonal $661.00 for 20 years would give you extra $42,310.00, 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.
AUTOGERMANA BMW 1165(E) SAVINGS PLAN Contribution & Match Policy
AUTOGERMANA BMW 1165(E) SAVINGS PLAN Contribution, Match and Other Plan Policies
- Each year participants may contribute an amount not to exceed the maximum deferral amount specified by the Puerto Rico tax law.
- Annual deferral limit under the Code is $15,000 for the years ended December 31, 2024, and 2023.
- Participants who are age 50 or older at the end of a calendar year may make additional pre-tax contributions (catch-up contributions) of up to $1,500 per calendar year.
- The Plan includes an auto-enrollment provision whereby all newly eligible employees are automatically enrolled in the Plan unless they affirmatively elect not to participate in the Plan.
- Automatically enrolled participants have their deferral rate set at 2 percent of eligible compensation and their contributions invested in a designated balanced fund until changed by the participant.
- The Employer can discretionally match 25% of the participants’ pre-tax contributions for each matching period subject to certain limitations.
- Participants are vested immediately in their contributions plus actual earnings thereon.
- Vesting in the Employer’s contribution portion of their accounts is based on years of continuous service.
- A participant is 100 percent vested after three (3) years of credited service.
- The participant will be 0% vested until completing the years of services specified above.
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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