BANCO DE SABADELL, S.A. 401(K) PLAN Contribution & Employer Match

How BANCO DE SABADELL, S.A. Supports Your Retirement Savings

BANCO DE SABADELL, S.A. provides retirement savings benefits through BANCO DE SABADELL, S.A. 401(K) 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.

BANCO DE SABADELL, S.A. 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for BANCO DE SABADELL, S.A. 401(K) PLAN is $197,395.00

BANCO DE SABADELL, S.A. 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for BANCO DE SABADELL, S.A. 401(K) PLAN is $7,369.00. If you contribute an amount exceeding this, you have saved more than your colleagues. Congratulations! Keep up the good work. Otherwise, you might want to consider contributing more to ensure a better retirement future.
471,623.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 7,369.00 in BANCO DE SABADELL, S.A. 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in BANCO DE SABADELL, S.A. 401(K) 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.

BANCO DE SABADELL, S.A. 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, BANCO DE SABADELL, S.A. 401(K) PLAN allocates $1,339,178.00 to match its employees’ contributions, providing an employer match rate of 44.16% of their contributions

BANCO DE SABADELL, S.A. 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in BANCO DE SABADELL, S.A. 401(K) PLAN is approximately $3,364.00
Investing in this additonal $3,364.00 for 20 years would give you extra $215,345.00, 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.

BANCO DE SABADELL, S.A. 401(K) PLAN Contribution & Match Policy

BANCO DE SABADELL, S.A. 401(K) PLAN Plan Policies

BANCO DE SABADELL, S.A. 401(K) PLAN Contribution, Match and Other Plan Policies

  • Participants may elect to make voluntary pre-tax contributions up to 100 percent of annual compensation including regular salary and wages, overtime pay, bonuses, and commissions through payroll deductions.
  • The Plan includes an automatic salary deferral feature, which begins on the first payroll following the completion of an eligible participant’s sixty days of employment with the Company.
  • The Company will automatically withhold three percent (3%) of a participant’s compensation from each payroll period and contribute that amount to the Plan as a Pre-Tax 401(k) deferral, however; participants may increase or decrease their deferral at their option.
  • The Plan provides that participants who are projected to be age 50 or older by the end of the calendar year and who are making deferral contributions to the Plan may also make a catch-up contribution.
  • The Company makes matching contributions equal to 100 percent of the first three percent of eligible compensation contributed to the Plan through salary deferral and matches 50 percent of the next two percent of deferrals to the Plan.
  • Participants are immediately vested in their contributions, the employer matching contributions, and actual earnings thereon.

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:

 20242025
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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