FOSTER THOMAS RETIREMENT PLAN Contribution & Employer Match
How FOSTER THOMAS, INC. Supports Your Retirement Savings
FOSTER THOMAS, INC. provides retirement savings benefits through FOSTER THOMAS RETIREMENT 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.
FOSTER THOMAS RETIREMENT PLAN Average Participant Retirement Account Value
FOSTER THOMAS RETIREMENT PLAN Estimated Average Employee Contribution Amount
127,200.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 1,987.00 in FOSTER THOMAS RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in FOSTER THOMAS RETIREMENT 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.
FOSTER THOMAS RETIREMENT PLAN Total Employer Contribution and Match Rate
FOSTER THOMAS RETIREMENT PLAN Estimated Average Employer Match
Investing in this additonal $1,052.00 for 20 years would give you extra $67,367.00, 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.
FOSTER THOMAS RETIREMENT PLAN Contribution & Match Policy
FOSTER THOMAS RETIREMENT PLAN Contribution, Match and Other Plan Policies
- Participants may elect to defer any portion of their compensation into the Plan.
- Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
- Each year, the Employer makes a "safe harbor" matching contribution that is equal to 100% of the participant’s elective deferrals that do not exceed 3% of compensation, plus 50% of the amount of the participant’s elective deferrals that exceed 3% of compensation but do not exceed 5% of compensation.
- Participants are immediately vested in their contributions plus actual earnings thereon.
- Vesting in the Employer contributions portion of their accounts is based on years of continuous service.
- A participant is 100% vested after six years of credited service.
- A year of credited service is a plan year in which the participant is credited with at least 1,000 hours of service with the Employer.
- On termination of employment due to death or disability (approved by Social Security), a participant becomes fully vested in their account.
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.
Get Key Insights for This Plan
Join our community and get data-driven insights about FOSTER THOMAS RETIREMENT PLAN. See how it compares to peer companies in fees, match generosity, and investment quality as soon as our new ranking reports go live.
Notify Me When Ratings Go LiveExplore More Plan Resources
Recent Articles
- General Dynamics 401(k) Review: 100% Match Up to 6% With $325 Million in Employer Contributions
- June 2026 MyPlanIQ Portfolio Update
- APPLE 401(K) PLAN 401(k) Review: A Match That Rewards Loyalty, Plus Plenty of Investment Options
- Charter Communications 401(k) Review: 100% Match Up to 6% With a 3-Year Vesting Clock
- Walmart 401(k) Plan Review: 100% Match on 6% for 1.9 Million Employees
- GSK 401(K) PLAN Review: 11% Employer Contribution Combines Match Makes It One of the Most Generous
Puzzled on what to invest?
- We ask a few questions to decide your personal return and risk expectations
- We build a custom portfolio for your plan (401(k), 403(b), 529 …) or for a brokerage account
- We monitor and send timely rebalance emails on what investment funds to buy and sell
Looking for ideas to generate income?
- ETF or mutual fund income portfolios for 4-7% annual income
- Dividend stock funds
- Passive real estate investments
- more …
Portfolio Calculator (Simulator)
Customize Asset Allocation Portfolios
Retirement Calculator
Investment Calculator
Looking for a (forgotten) 401(k)?
Find plan contact info, plan expenses, investment options, rollover your old plan, or learn how to select investments on your 401k plan …
Keep researching FOSTER THOMAS RETIREMENT PLAN
Use the links below to move from this plan page into calculators, related retirement articles, and comparable plans in a similar industry or size band. That gives you a faster way to compare match design, fees, investments, and savings strategy in context.
Related Calculators
- 401(k) Employer Match Calculator
- Investment Fee Impact Calculator
- Mega Backdoor Roth 401(k) Calculator
Related Plans
- WESTPORT BENEFITS, L.L.C. 401K PROFIT SHARING PLAN (141 participants, $1,429,889)
- AMERICAN WHOLESALE INSURANCE GROUP, INC. 401K PLAN (140 participants, $2,907,980)
- MCNEIL & CO 401(K) PS PLAN (140 participants, $6,677,978)
- SOUTHERN INSURANCE UNDERWRITERS, INC. 401 (K) PLAN & TRUST (140 participants, $6,790,265)
- MIDWEST INSURANCE COMPANY 401K PROFIT SHARING PLAN (140 participants, $15,290,416)