BEAVER TOYOTA 401(K) PLAN Contribution & Employer Match

How BEAVER MOTORS, INC. DBA BEAVER TOYOTA ST. AUGUSTINE Supports Your Retirement Savings

BEAVER MOTORS, INC. DBA BEAVER TOYOTA ST. AUGUSTINE provides retirement savings benefits through BEAVER TOYOTA 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.

BEAVER TOYOTA 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for BEAVER TOYOTA 401(K) PLAN is $22,820.00

BEAVER TOYOTA 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for BEAVER TOYOTA 401(K) PLAN is $4,833.00. 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.
309,334.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,833.00 in BEAVER TOYOTA 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in BEAVER TOYOTA 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.

BEAVER TOYOTA 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, BEAVER TOYOTA 401(K) PLAN allocates $316,787.00 to match its employees’ contributions, providing an employer match rate of 15.30% of their contributions

BEAVER TOYOTA 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in BEAVER TOYOTA 401(K) PLAN is approximately $609.00
Investing in this additonal $609.00 for 20 years would give you extra $38,989.00, 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.

BEAVER TOYOTA 401(K) PLAN Contribution & Match Policy

BEAVER TOYOTA 401(K) PLAN Plan Policies

BEAVER TOYOTA 401(K) PLAN Contribution, Match and Other Plan Policies

  • Participants may contribute up to 100% of their compensation subject to the maximum allowed by law imposed by the Internal Revenue Code ("IRC") limitations.
  • The maximum participant deferral for December 31, 2024 and 2023 was $23,000 and $22,500, respectively.
  • A participant who has attained the age of 50 may also make catch up contributions, subject to Internal Revenue Service ("IRS") limitations of $7,500 and $7,500 for December 31, 2024 and 2023, respectively.
  • Participants may also contribute amounts representing distributions from other qualified plans.
  • Contributions received from participants are net of excess deferral contributions refunded, as required to satisfy the relevant nondiscrimination provisions of the Plan.
  • Participants also have the option to make Roth contributions.
  • The Plan has automatic enrollment for all eligible employees.
  • Employees are automatically enrolled at 4%, participants may change the percentage or opt out of the Plan entirely.
  • For the Plan years ended December 31, 2024 and 2023, the Company made a matching Employer contribution of 1% of the first 4% of the participant’s compensation.
  • Participants are immediately vested in their voluntary contributions plus actual earnings thereon.
  • Vesting in the remainder of their accounts is based on years of continuous service.
  • A participant is 100% vested after four years of credit service as follows: Years of Vesting Services Percentage 1 25% 2 50% 3 75% 4 100%

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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