BREAN CAPITAL, LLC 401(K) PLAN Contribution & Employer Match

How BREAN CAPITAL, LLC Supports Your Retirement Savings

BREAN CAPITAL, LLC provides retirement savings benefits through BREAN CAPITAL, 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.

BREAN CAPITAL, LLC 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for BREAN CAPITAL, LLC 401(K) PLAN is $126,285.00

BREAN CAPITAL, LLC 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for BREAN CAPITAL, LLC 401(K) PLAN is $10,852.00. 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.
694,546.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 10,852.00 in BREAN CAPITAL, LLC 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in BREAN CAPITAL, 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.

* 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.

BREAN CAPITAL, LLC 401(K) PLAN Contribution & Match Policy

BREAN CAPITAL, LLC 401(K) PLAN Plan Policies

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

  • Each year, participants may contribute up to one hundred percent (100%) of pre-tax annual compensation up to the Internal Revenue Service ("IRS") limitations and as defined in the Plan, up to $23,000 for 2024 and up to $22,500 for 2023.
  • Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions in the amounts of $7,500 for 2024 and 2023.
  • Participants may also contribute amounts representing distributions from other qualified defined benefit or defined contribution plans (rollovers).
  • The Company may make matching contributions equal to a discretionary percentage, to be determined by the Company, of the participant’s elective deferrals.
  • The Plan also allows for discretionary profit-sharing contributions, provided the participant completed at least 1,000 hours of service during the year and is employed by the Company on the last day of the Plan year, as well as qualified non-elective contributions from the Company.
  • During the Plan year ended December 31, 2024, the Company did not make any matching contributions, profit sharing contributions, or qualified non-elective contributions ("QNEC") into the Plan.
  • Participants are immediately vested in their contributions plus actual earnings thereon, and if applicable, any amounts rolled over into their accounts.
  • Vesting in the Company’s discretionary matching and profit-sharing portions of their accounts is based on years of service.
  • Upon completion of each year of service, a participant is 20 percent vested cumulatively, and 100 percent vested after five years of credited service.
  • A participant may become fully vested upon attainment of normal retirement age while an employee, death of any employee or suffering a disability while an employee.

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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