EVERS AND SONS, INC. 401(K) PLAN Contribution & Employer Match

How EVERS AND SONS, INC. Supports Your Retirement Savings

EVERS AND SONS, INC. provides retirement savings benefits through EVERS AND SONS, INC. 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.

EVERS AND SONS, INC. 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for EVERS AND SONS, INC. 401(K) PLAN is $3,684.00

EVERS AND SONS, INC. 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for EVERS AND SONS, INC. 401(K) PLAN is $4,443.00. 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.
284,402.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,443.00 in EVERS AND SONS, INC. 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in EVERS AND SONS, INC. 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.

* 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.

EVERS AND SONS, INC. 401(K) PLAN Contribution & Match Policy

EVERS AND SONS, INC. 401(K) PLAN Plan Policies

EVERS AND SONS, INC. 401(K) PLAN Contribution, Match and Other Plan Policies

  • The Plan permits eligible employees through a salary deferral election to have the Company make annual pre-tax or Roth contributions of up to 100% of their eligible compensation.
  • Employee rollover contributions are also permitted.
  • Participants who have attained age 50 before the end of the plan year are eligible to make catch-up contributions.
  • Contributions are subject to certain limitations.
  • The plan document also includes an automatic deferral feature whereby a participant is treated as electing to defer a certain percentage of eligible compensation unless the participant made an affirmative election otherwise or declines participation.
  • The Company will automatically withhold 3% of their pay and contribute it to the Plan on the participant’s behalf in the form of an automatic elective deferral.
  • The automatic deferral feature also provides for an annual increase of 1% in the percentage deferred and is ultimately capped at 10%.
  • The election will remain in effect until the participant modifies or terminates the election.
  • Participants are immediately vested in their voluntary contributions plus earnings thereon.

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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