BROWNSTONE GROUP, INC. 401K PLAN Contribution & Employer Match

How THE BROWNSTONE GROUP, INC. Supports Your Retirement Savings

THE BROWNSTONE GROUP, INC. provides retirement savings benefits through BROWNSTONE GROUP, INC. 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.

BROWNSTONE GROUP, INC. 401K PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for BROWNSTONE GROUP, INC. 401K PLAN is $41,082.00

BROWNSTONE GROUP, INC. 401K PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for BROWNSTONE GROUP, INC. 401K PLAN is $7,071.00. 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.
452,547.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 7,071.00 in BROWNSTONE GROUP, INC. 401K PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in BROWNSTONE GROUP, INC. 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.

BROWNSTONE GROUP, INC. 401K PLAN Total Employer Contribution and Match Rate

In 2024, BROWNSTONE GROUP, INC. 401K PLAN allocates $676,265.00 to match its employees’ contributions, providing an employer match rate of 93.76% of their contributions

BROWNSTONE GROUP, INC. 401K PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in BROWNSTONE GROUP, INC. 401K PLAN is approximately $3,315.00
Investing in this additonal $3,315.00 for 20 years would give you extra $212,161.00, 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.

BROWNSTONE GROUP, INC. 401K PLAN Contribution & Match Policy

BROWNSTONE GROUP, INC. 401K PLAN Plan Policies

BROWNSTONE GROUP, INC. 401K PLAN Contribution, Match and Other Plan Policies

  • Participating employees may elect to contribute up to 100 percent of their eligible compensation, as defined in the adoption agreement, subject to the annual dollar limit set by Internal Revenue Service (IRS).
  • Participants may contribute on a pre-tax basis or after-tax basis through Roth contributions.
  • Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
  • An employer discretionary matching contribution is available under the Plan as determined annually.
  • During 2024, the Company elected to match 50% of all deferrals limited to 2% of plan compensation.
  • The discretionary matching contributions for 2024 were $163,204.
  • The Company may make safe harbor contributions in an amount equal to 3% of a participant’s eligible compensation.
  • Total safe harbor contributions for 2024 were $513,061.
  • Participants are immediately vested in their contributions (deferrals and rollovers), safe harbor contributions and earnings thereon.
  • Vesting in employer matching and any non-elective contributions is based on years of continuous service at a rate of 20% per year after 2 full years of credited service.
  • A participant is 100% vested after 6 years of credited service.
  • Participants also become 100% vested upon death or attainment of normal retirement age.
  • Normal retirement age under the Plan is 65.

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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