FIRST US BANCSHARES, INC. 401(K) PLAN Contribution & Employer Match

How FIRST US BANCSHARES, INC. Supports Your Retirement Savings

FIRST US BANCSHARES, INC. provides retirement savings benefits through FIRST US BANCSHARES, 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.

FIRST US BANCSHARES, INC. 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for FIRST US BANCSHARES, INC. 401(K) PLAN is $85,079.00

FIRST US BANCSHARES, INC. 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for FIRST US BANCSHARES, INC. 401(K) PLAN is $2,598.00. 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.
166,308.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,598.00 in FIRST US BANCSHARES, INC. 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in FIRST US BANCSHARES, 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.

FIRST US BANCSHARES, INC. 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, FIRST US BANCSHARES, INC. 401(K) PLAN allocates $414,597.00 to match its employees’ contributions, providing an employer match rate of 54.64% of their contributions

FIRST US BANCSHARES, INC. 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in FIRST US BANCSHARES, INC. 401(K) PLAN is approximately $1,818.00
Investing in this additonal $1,818.00 for 20 years would give you extra $116,378.00, 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.

FIRST US BANCSHARES, INC. 401(K) PLAN Contribution & Match Policy

FIRST US BANCSHARES, INC. 401(K) PLAN Plan Policies

FIRST US BANCSHARES, INC. 401(K) PLAN Contribution, Match and Other Plan Policies

  • Participants elect to make contributions on a pre-tax basis (traditional 401(k)) or on an after-tax basis (Roth 401(k)), as defined in the Plan, in amounts up to the applicable limitations of the Internal Revenue Code (IRC).
  • Participants age 50 or over may make catch-up contributions to their accounts.
  • Participants may roll over amounts representing distributions from other qualified defined benefit or defined contribution plans and conduit individual retirement accounts.
  • The Plan provides that the Plan Sponsor will make a safe harbor matching contribution in an amount equal to 100% of the first 4% of compensation deferred.
  • Under the terms of the Plan, the Plan Sponsor also has the discretion to make additional contributions in the form of matching contributions and non-elective contributions.
  • There were no such discretionary contributions made during the year ended December 31, 2024.
  • All employees are eligible to participate in the Plan on the first day of the month following their date of commencement of employment.
  • Participants are immediately vested in their contributions, the Company’s matching contributions, discretionary employer contributions and 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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