EMPLOYEES RETIREMENT SAVINGS PLAN Contribution & Employer Match

How STAUNTON CAPITAL, INC. Supports Your Retirement Savings

STAUNTON CAPITAL, INC. provides retirement savings benefits through EMPLOYEES RETIREMENT SAVINGS 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.

EMPLOYEES RETIREMENT SAVINGS PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for EMPLOYEES RETIREMENT SAVINGS PLAN is $15,022.00

EMPLOYEES RETIREMENT SAVINGS PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for EMPLOYEES RETIREMENT SAVINGS PLAN is $1,207.00. 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.
77,291.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 1,207.00 in EMPLOYEES RETIREMENT SAVINGS PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in EMPLOYEES RETIREMENT SAVINGS 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.

EMPLOYEES RETIREMENT SAVINGS PLAN Total Employer Contribution and Match Rate

In 2024, EMPLOYEES RETIREMENT SAVINGS PLAN allocates $174,067.00 to match its employees’ contributions, providing an employer match rate of 45.40% of their contributions

EMPLOYEES RETIREMENT SAVINGS PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in EMPLOYEES RETIREMENT SAVINGS PLAN is approximately $423.00
Investing in this additonal $423.00 for 20 years would give you extra $27,105.00, 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.

EMPLOYEES RETIREMENT SAVINGS PLAN Contribution & Match Policy

EMPLOYEES RETIREMENT SAVINGS PLAN Plan Policies

EMPLOYEES RETIREMENT SAVINGS PLAN Contribution, Match and Other Plan Policies

  • Each year, participants may contribute up to the limit of pretax annual compensation, as defined by the Internal Revenue Service.
  • Participants may also contribute amounts representing distributions from other qualified defined benefit or contribution plans.
  • The Company contributes fifty percent of the first six percent of base compensation that a participant contributes to the Plan for a maximum contribution of three percent of gross eligible wages.
  • Additional amounts may be contributed at the option of the Company’s Board of Directors.
  • Participants are immediately vested in their contributions plus actual earnings thereon.
  • Vesting in the remainder of their accounts is based on years of continuous service.
  • A participant is 100% vested after six years of continuous service.
  • Upon death or disability, a participant is 100% vested.

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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