BERG SENIOR SERVICES LLC 401K PS PLAN & TRUST Contribution & Employer Match
How BERG SENIOR SERVICES, LLC Supports Your Retirement Savings
BERG SENIOR SERVICES, LLC provides retirement savings benefits through BERG SENIOR SERVICES LLC 401K PS PLAN & TRUST. 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.
BERG SENIOR SERVICES LLC 401K PS PLAN & TRUST Average Participant Retirement Account Value
BERG SENIOR SERVICES LLC 401K PS PLAN & TRUST Estimated Average Employee Contribution Amount
328,966.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 5,140.00 in BERG SENIOR SERVICES LLC 401K PS PLAN & TRUST, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in BERG SENIOR SERVICES LLC 401K PS PLAN & TRUST
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.
BERG SENIOR SERVICES LLC 401K PS PLAN & TRUST Total Employer Contribution and Match Rate
BERG SENIOR SERVICES LLC 401K PS PLAN & TRUST Estimated Average Employer Match
Investing in this additonal $1,147.00 for 20 years would give you extra $73,457.00, 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.
BERG SENIOR SERVICES LLC 401K PS PLAN & TRUST Contribution & Match Policy
BERG SENIOR SERVICES LLC 401K PS PLAN & TRUST Contribution, Match and Other Plan Policies
- Participants may contribute from 1% to 96% of compensation, as defined in the Plan, up to a maximum dollar amount as established by the Internal Revenue Service (IRS).
- Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
- The Company contributes a safe-harbor matching contribution equal to the sum of 100% of the participant’s deferral up to 3% of compensation and then 50% of the participant’s deferrals greater than 3% but less than or equal to 5% of compensation.
- Participants are immediately vested in their voluntary contributions and safe-harbor matching contributions plus earnings thereon.
- Vesting in the Company discretionary profit-sharing contribution portion of each participants account is based on years of continuous service.
- A participant is 100% vested after six years of credited service.
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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