BEREXCO LLC 401(K) PLAN Contribution & Employer Match

How BEREXCO LLC Supports Your Retirement Savings

BEREXCO LLC provides retirement savings benefits through BEREXCO LLC 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.

BEREXCO LLC 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for BEREXCO LLC 401(K) PLAN is $129,006.00

BEREXCO LLC 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for BEREXCO LLC 401(K) PLAN is $6,215.00. 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.
397,793.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 6,215.00 in BEREXCO LLC 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in BEREXCO LLC 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.

BEREXCO LLC 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, BEREXCO LLC 401(K) PLAN allocates $662,507.00 to match its employees’ contributions, providing an employer match rate of 43.95% of their contributions

BEREXCO LLC 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in BEREXCO LLC 401(K) PLAN is approximately $2,639.00
Investing in this additonal $2,639.00 for 20 years would give you extra $168,926.00, 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.

BEREXCO LLC 401(K) PLAN Contribution & Match Policy

BEREXCO LLC 401(K) PLAN Plan Policies

BEREXCO LLC 401(K) PLAN Contribution, Match and Other Plan Policies

  • The Plan provides that active participants may make annual pre-tax and Roth after-tax contributions of not less than 1% up to 75% of their eligible compensation to the Plan.
  • Compensation includes overtime pay and bonuses.
  • Participants who have attained age 50 before the end of the plan year are eligible to make catch-up contributions.
  • The Plan has an automatic deferral feature 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 3% of eligible compensation.
  • The rate increases by 1% each year until it reaches 6%.
  • The Plan is a Qualified Automatic Contribution Arrangement (QACA) Safe Harbor Plan.
  • The Company will make a safe harbor matching contribution in an amount equal to a percentage of employees’ elective deferrals.
  • The safe harbor match was $662,507 for the year ended December 31, 2024.
  • The specified matching percentage for the corresponding level of elective deferrals is shown in the following table.
  • Elective deferral tier Matching percentage not exceeding 1% 100% exceeding 1%, but not exceeding 3% 75% exceeding 3%, but not exceeding 6% 50% Each year, the Company may make a discretionary additional matching contribution up to 4% of participants’ compensation or a discretionary nonelective contribution.
  • Participants immediately vest in their elective deferrals and rollover contributions plus actual earnings thereon. Participants shall be fully vested with respect to Company contributions upon normal retirement age, disability or death. Vesting in the Company’s matching contribution portion of their account is as follows: Years of service Percent
  • Less than 2 years: 0%

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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