BLUEGRASS HOSPITALITY GROUP 401K PLAN Contribution & Employer Match
How MALONES HOLDING LLC Supports Your Retirement Savings
MALONES HOLDING LLC provides retirement savings benefits through BLUEGRASS HOSPITALITY GROUP 401K 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.
BLUEGRASS HOSPITALITY GROUP 401K PLAN Average Participant Retirement Account Value
BLUEGRASS HOSPITALITY GROUP 401K PLAN Estimated Average Employee Contribution Amount
59,766.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 933.00 in BLUEGRASS HOSPITALITY GROUP 401K PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in BLUEGRASS HOSPITALITY GROUP 401K 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.
BLUEGRASS HOSPITALITY GROUP 401K PLAN Total Employer Contribution and Match Rate
BLUEGRASS HOSPITALITY GROUP 401K PLAN Estimated Average Employer Match
Investing in this additonal $429.00 for 20 years would give you extra $27,472.00, 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.
BLUEGRASS HOSPITALITY GROUP 401K PLAN Contribution & Match Policy
BLUEGRASS HOSPITALITY GROUP 401K PLAN Contribution, Match and Other Plan Policies
- Each year participants may contribute up to 100 percent of pretax annual compensation up to a maximum of $23,000 ($30,500 for age 50 and older) for the 2024 plan year, as defined in the Plan.
- Participants may also contribute amounts representing distributions from other qualified defined benefit or contribution plans.
- The Company contributes 100 percent of the first three percent of base compensation that a participant contributes to the Plan plus 50 percent of the salary deferrals contributed between three percent and five percent of compensation.
- The Company has adopted a Safe Harbor election, therefore contributions made by the Company to participants accounts are immediately 100 percent vested.
- Participants are 100 percent vested on all pretax compensation contributed to the Plan.
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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- We monitor and send timely rebalance emails on what investment funds to buy and sell
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