FIRSTSPEAR LLC 401(K) PROFIT SHARING PLAN & TRUST Contribution & Employer Match

How FIRSTSPEAR LLC Supports Your Retirement Savings

FIRSTSPEAR LLC provides retirement savings benefits through FIRSTSPEAR LLC 401(K) PROFIT SHARING PLAN & TRUST. 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.

FIRSTSPEAR LLC 401(K) PROFIT SHARING PLAN & TRUST Average Participant Retirement Account Value

In 2024, the average participant retirement account value for FIRSTSPEAR LLC 401(K) PROFIT SHARING PLAN & TRUST is $26,105.00

FIRSTSPEAR LLC 401(K) PROFIT SHARING PLAN & TRUST Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for FIRSTSPEAR LLC 401(K) PROFIT SHARING PLAN & TRUST is $2,871.00. 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.
183,762.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,871.00 in FIRSTSPEAR LLC 401(K) PROFIT SHARING PLAN & TRUST, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in FIRSTSPEAR LLC 401(K) PROFIT SHARING PLAN & TRUST

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.

FIRSTSPEAR LLC 401(K) PROFIT SHARING PLAN & TRUST Total Employer Contribution and Match Rate

In 2024, FIRSTSPEAR LLC 401(K) PROFIT SHARING PLAN & TRUST allocates $280,334.00 to match its employees’ contributions, providing an employer match rate of 55.95% of their contributions

FIRSTSPEAR LLC 401(K) PROFIT SHARING PLAN & TRUST Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in FIRSTSPEAR LLC 401(K) PROFIT SHARING PLAN & TRUST is approximately $1,649.00
Investing in this additonal $1,649.00 for 20 years would give you extra $105,537.00, 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.

FIRSTSPEAR LLC 401(K) PROFIT SHARING PLAN & TRUST Contribution & Match Policy

FIRSTSPEAR LLC 401(K) PROFIT SHARING PLAN & TRUST Plan Policies

FIRSTSPEAR LLC 401(K) PROFIT SHARING PLAN & TRUST Contribution, Match and Other Plan Policies

  • Participants may contribute up to 92% of annual eligible compensation, as defined in the Plan, and designate those contributions as either pre-tax or Roth.
  • Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
  • The Plan provides a safe harbor matching contribution which is determined as a percentage of participant elected deferrals.
  • The Company contributes 100% of the first 3% and 50% of the next 2% of compensation that a participant contributed to the Plan.
  • Participant contributions in excess of 5% of compensation are not matched.
  • Vesting schedule:
  • Less than 2 years: 0%

FIRSTSPEAR LLC 401(K) PROFIT SHARING PLAN & TRUST Maximum Employer Match Calculator

This calculator helps participants of FIRSTSPEAR LLC 401(K) PROFIT SHARING PLAN & TRUST to calculate the minimal bi-weekly contribution that would generate the maximum employer match allowed. It takes into account IRS annual contribution limits. Please update the annual contribution limits below if they are outdated.

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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