ENVIRONMENTAL SCIENCE ASSOCIATES 401K PLAN Contribution & Employer Match
How ENVIRONMENTAL SCIENCE ASSOCIATES Supports Your Retirement Savings
ENVIRONMENTAL SCIENCE ASSOCIATES provides retirement savings benefits through ENVIRONMENTAL SCIENCE ASSOCIATES 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.
ENVIRONMENTAL SCIENCE ASSOCIATES 401K PLAN Average Participant Retirement Account Value
ENVIRONMENTAL SCIENCE ASSOCIATES 401K PLAN Estimated Average Employee Contribution Amount
799,505.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 12,492.00 in ENVIRONMENTAL SCIENCE ASSOCIATES 401K PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in ENVIRONMENTAL SCIENCE ASSOCIATES 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.
ENVIRONMENTAL SCIENCE ASSOCIATES 401K PLAN Total Employer Contribution and Match Rate
ENVIRONMENTAL SCIENCE ASSOCIATES 401K PLAN Estimated Average Employer Match
Investing in this additonal $910.00 for 20 years would give you extra $58,268.00, 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.
ENVIRONMENTAL SCIENCE ASSOCIATES 401K PLAN Contribution & Match Policy
ENVIRONMENTAL SCIENCE ASSOCIATES 401K PLAN Contribution, Match and Other Plan Policies
- A participant may elect to contribute up to a maximum of $23,000 for the year ended December 31, 2024 in accordance with the IRC.
- Additionally, participants age 50 and over at the end of the Plan year may make additional catch-up contributions up to $7,500 for the year ended December 31, 2024.
- Participants may contribute up to 100% of their annual eligible compensation, as defined by the Plan in the form of pre-tax or post-tax (Roth) deferrals, subject to annual limits specified by the IRC.
- The Plan features an automatic enrollment provision whereby all eligible employees hired after January 1, 2008 are automatically enrolled in the Plan at a deferral rate of 3% of eligible compensation, unless the employee affirmatively elects otherwise.
- The Company may make discretionary matching contributions to each participant eligible to receive such contribution equal to 50% of the participant’s elective deferrals.
- However, the Company shall not make a contribution on any participant’s elective deferral that exceeds 75% of the participant’s compensation.
- The maximum Company matching contribution for any individual shall be the lower of $2,000 or 37.5% of the participant’s compensation.
- Participants are immediately vested in their voluntary contributions plus actual earnings thereon. Vesting in the Company’s contributions and related earnings thereon is based on years of continuous service. A participant is 100% vested after three years of credited service as follows: Years of Service Vesting
- Less than 1 years: 0%
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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