DDS LAB, LLC 401(K) PROFIT SHARING PLAN Contribution & Employer Match
How DDS LAB, LLC Supports Your Retirement Savings
DDS LAB, LLC provides retirement savings benefits through DDS LAB, LLC 401(K) 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.
DDS LAB, LLC 401(K) PROFIT SHARING PLAN Average Participant Retirement Account Value
DDS LAB, LLC 401(K) PROFIT SHARING PLAN Estimated Average Employee Contribution Amount
138,730.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,167.00 in DDS LAB, LLC 401(K) PROFIT SHARING PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in DDS LAB, LLC 401(K) 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.
DDS LAB, LLC 401(K) PROFIT SHARING PLAN Total Employer Contribution and Match Rate
DDS LAB, LLC 401(K) PROFIT SHARING PLAN Estimated Average Employer Match
Investing in this additonal $1,054.00 for 20 years would give you extra $67,484.00, 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.
DDS LAB, LLC 401(K) PROFIT SHARING PLAN Contribution & Match Policy
DDS LAB, LLC 401(K) PROFIT SHARING PLAN Contribution, Match and Other Plan Policies
- Participants may contribute up to 100% of their compensation to their participant account subject to limitations imposed by the Internal Revenue Code ("IRC").
- A participant who has attained the age of 50 may also make catch up contributions, subject to Internal Revenue Services ("IRS") limitations of $7,500 for the year ended December 31, 2024.
- The Plan has automatic enrollment for all eligible employees at 3% of eligible compensation.
- If the participant does not make an affirmative election, whether to keep the 3%, change the percentage or opt out of the Plan entirely, the Plan will automatically defer the 3% for the participant.
- For the year ended December 31, 2024, the Company had a discretionary match equal to 100% of the participant’s contribution for the first 3% of the participant’s compensation contributed to the Plan.
- Participants are vested immediately in their contributions plus actual earnings or losses thereon.
- Vesting in Employer profit sharing and Employer matching contributions is based on years of continuous service.
- A participant is 100% vested upon death, retirement age, or after six years of credited service as follows: Years of Vesting Services Percentage 1 0% 2 20% 3 40% 4 60% 5 80% 6 100%
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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