BST & CO. CPAS, LLP 401(K) PLAN Contribution & Employer Match
How BST & CO. CPAS, LLP Supports Your Retirement Savings
BST & CO. CPAS, LLP provides retirement savings benefits through BST & CO. CPAS, LLP 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.
BST & CO. CPAS, LLP 401(K) PLAN Average Participant Retirement Account Value
BST & CO. CPAS, LLP 401(K) PLAN Estimated Average Employee Contribution Amount
396,406.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 6,193.00 in BST & CO. CPAS, LLP 401(K) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in BST & CO. CPAS, LLP 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.
BST & CO. CPAS, LLP 401(K) PLAN Total Employer Contribution and Match Rate
BST & CO. CPAS, LLP 401(K) PLAN Estimated Average Employer Match
Investing in this additonal $2,415.00 for 20 years would give you extra $154,571.00, 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.
BST & CO. CPAS, LLP 401(K) PLAN Contribution & Match Policy
BST & CO. CPAS, LLP 401(K) PLAN Contribution, Match and Other Plan Policies
- Each year, participants may contribute a percent of pretax and after-tax eligible compensation, subject to certain limitations, as defined by the Plan.
- The maximum participant deferral for the years ended December 31, 2024 and 2023 was $23,000 and $22,500, respectively.
- Participants age 50 and over are also permitted to make additional catch-up contributions as defined by the Economic Growth and Tax Relief Act of 2001.
- The Company’s matching contribution for 2024 and 2023 was equal to 10% of a participant’s elective deferral contributions on the first 6% of eligible compensation deferred.
- Participants are immediately vested in their voluntary contributions, rollover amounts, safe harbor contributions and actual earnings thereon. Participants who were eligible to participate in the BST Advisory Network LLC 401(k) Plan on December 31, 2013 are 100% vested in their employer matching contributions. Participants who became eligible to participate after December 31, 2013 will have their employer matching contributions subject to the following vesting requirements. Vesting in the Company’s discretionary profit sharing and match contributions is based on years of continuous service. A participant is 100% vested upon: (1) attaining six years of credited service; (2) normal retirement at the later of age 65 or 5 years of participation; or (3) termination of the Plan. If a participant’s employment with the Company is terminated before normal retirement, the participant shall be entitled to an amount equal to the vested percentage of his or her account balance. A participant may have a vested and nonforfeitable interest in the Company’s profit sharing and match contribution portion of his or her account balance determined by the number of years of credited service as follows: Years of Credited Service Vesting %
- Less than 2 years: 0%
- 4-60 years: 5%
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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