BLM GROUP USA CORP PROFIT SHARING PLAN Contribution & Employer Match
How BLM GROUP USA CORP Supports Your Retirement Savings
BLM GROUP USA CORP provides retirement savings benefits through BLM GROUP USA CORP PROFIT SHARING 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.
BLM GROUP USA CORP PROFIT SHARING PLAN Average Participant Retirement Account Value
BLM GROUP USA CORP PROFIT SHARING PLAN Estimated Average Employee Contribution Amount
701,638.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 10,963.00 in BLM GROUP USA CORP PROFIT SHARING PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in BLM GROUP USA CORP PROFIT SHARING 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.
BLM GROUP USA CORP PROFIT SHARING PLAN Total Employer Contribution and Match Rate
BLM GROUP USA CORP PROFIT SHARING PLAN Estimated Average Employer Match
Investing in this additonal $5,472.00 for 20 years would give you extra $350,220.00, 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.
BLM GROUP USA CORP PROFIT SHARING PLAN Contribution & Match Policy
BLM GROUP USA CORP PROFIT SHARING PLAN Contribution, Match and Other Plan Policies
- Participants may contribute up to 90% of annual eligible compensation, as defined in the Plan, and designate those contributions as either pre-tax or Roth.
- Participants who have attained age 50 before the end of the plan year are eligible to make catch-up contributions.
- The Plan includes an auto-enrollment provision whereby all new 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 6% of eligible compensation and their contributions invested in a designated fund until changed by the participant.
- Effective January 1, 2022, the Company elected a safe-harbor matching contribution equal to 100% of participant deferrals up to 2% of eligible compensation and 50% of deferrals that exceed 2% of eligible compensation but not to exceed 6% of eligible compensation.
- The Company may contribute a discretionary matching contribution, as determined annually, to the Plan each year.
- During 2024, the Company made discretionary matching contributions equal to 33% of participant deferrals, up to 6% of eligible compensation.
- Participants are vested immediately in their contributions, plus earnings thereon.
- The Plan provides that participants have no vested interest in the discretionary matching contributions until they have completed one year of service, at which time they become 20% vested.
- Vesting increases by 20% each year up to 100% after 5 years of service.
- Participants are 100% vested in safe-harbor matching contributions after 2 years of 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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