GILMORE & BELL, P.C. 401(K) PROFIT SHARING PLAN & TRUST Contribution & Employer Match

How GILMORE & BELL, P.C. Supports Your Retirement Savings

GILMORE & BELL, P.C. provides retirement savings benefits through GILMORE & BELL, P.C. 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.

GILMORE & BELL, P.C. 401(K) PROFIT SHARING PLAN & TRUST Average Participant Retirement Account Value

In 2024, the average participant retirement account value for GILMORE & BELL, P.C. 401(K) PROFIT SHARING PLAN & TRUST is $479,963.00

GILMORE & BELL, P.C. 401(K) PROFIT SHARING PLAN & TRUST Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for GILMORE & BELL, P.C. 401(K) PROFIT SHARING PLAN & TRUST is $11,051.00. 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.
707,279.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 11,051.00 in GILMORE & BELL, P.C. 401(K) PROFIT SHARING PLAN & TRUST, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in GILMORE & BELL, P.C. 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.

GILMORE & BELL, P.C. 401(K) PROFIT SHARING PLAN & TRUST Total Employer Contribution and Match Rate

In 2024, GILMORE & BELL, P.C. 401(K) PROFIT SHARING PLAN & TRUST allocates $2,213,973.00 to match its employees’ contributions, providing an employer match rate of 131.37% of their contributions

GILMORE & BELL, P.C. 401(K) PROFIT SHARING PLAN & TRUST Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in GILMORE & BELL, P.C. 401(K) PROFIT SHARING PLAN & TRUST is approximately $14,662.00
Investing in this additonal $14,662.00 for 20 years would give you extra $938,372.00, 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.

GILMORE & BELL, P.C. 401(K) PROFIT SHARING PLAN & TRUST Contribution & Match Policy

GILMORE & BELL, P.C. 401(K) PROFIT SHARING PLAN & TRUST Plan Policies

GILMORE & BELL, P.C. 401(K) PROFIT SHARING PLAN & TRUST Contribution, Match and Other Plan Policies

  • Participants may contribute amounts up to certain Internal Revenue Code ("IRC") limitations.
  • Participants 50 years or older are permitted to make catch-up contributions, as defined in the Plan.
  • The Plan has an automatic enrollment feature.
  • New employees are automatically enrolled in the Plan, and contribute 6% of their eligible wages, unless the employee opts out of participation, or chooses a different deferral rate.
  • Each successive year on the first day of January, the deferral will increase by 1%, to a maximum amount of 10%.
  • The Company contributed a discretionary matching contribution equal to 25% of the first 4% of eligible compensation that a participant contributes to the Plan.
  • Profit-sharing contributions are discretionary as determined by the Company’s board of directors.
  • Participants are eligible for discretionary profit-sharing contributions upon completion of six months of service and must be employed on the last day of the Plan year.
  • Vesting schedule: Participants’ contributions are fully vested at all times.
  • The employer contributions vest in 33% increments, and 100% vested after the third year.
  • In the event of permanent disability, death, reaching normal retirement age, or termination of the Plan, the Company’s contributions will become fully vested.

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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