FIVE POINTS BANK 401(K) PLAN Contribution & Employer Match

How FIVE POINTS BANK Supports Your Retirement Savings

FIVE POINTS BANK provides retirement savings benefits through FIVE POINTS BANK 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.

FIVE POINTS BANK 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for FIVE POINTS BANK 401(K) PLAN is $137,961.00

FIVE POINTS BANK 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for FIVE POINTS BANK 401(K) PLAN is $5,573.00. 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.
356,678.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 5,573.00 in FIVE POINTS BANK 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in FIVE POINTS BANK 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.

FIVE POINTS BANK 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, FIVE POINTS BANK 401(K) PLAN allocates $782,007.00 to match its employees’ contributions, providing an employer match rate of 55.90% of their contributions

FIVE POINTS BANK 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in FIVE POINTS BANK 401(K) PLAN is approximately $3,140.00
Investing in this additonal $3,140.00 for 20 years would give you extra $200,997.00, 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.

FIVE POINTS BANK 401(K) PLAN Contribution & Match Policy

FIVE POINTS BANK 401(K) PLAN Plan Policies

FIVE POINTS BANK 401(K) PLAN Contribution, Match and Other Plan Policies

  • Participants are permitted to make voluntary pre-tax and after-tax Roth salary deferral contributions up to 75% of their eligible compensation as provided by the Plan, up to the maximum deferral dollar amounts allowed by law.
  • Participants may also contribute amounts representing distributions from other qualified plans.
  • Participants are automatically enrolled with a 2% salary contribution.
  • Deferral amounts will increase 1% annually until a rate of 6% is reached.
  • At any time, a participant can elect not to contribute or may increase or decrease their deferral rate to any rate allowed under Plan provisions.
  • Participants who are eligible to make pre-tax salary deferral and Roth after-tax contributions and who are projected to attain age 50 before the close of the calendar year shall be eligible to make catch-up contributions.
  • Safe harbor matching contributions will be made equal to 100% of elective deferrals that are not in excess of 4% of compensation plus 50% of elective deferrals between 4% up to 6% of compensation.
  • Additional non-elective contributions may be contributed at the option of the Company’s Board of Directors.
  • Participants are immediately vested in their elective deferrals plus actual earnings thereon.
  • (Text appears to be truncated in the provided document)

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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