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GOLUB CAPITAL LLC 401(K) PLAN Contribution & Employer Match

GOLUB CAPITAL LLC 401(K) PLAN Contribution & Employer Match

GOLUB CAPITAL LLC provides the following retirement savings benefits to its employees:

GOLUB CAPITAL LLC 401(K) PLAN Average Participant Retirement Account Value

In 2023, the average participant retirement account value for GOLUB CAPITAL LLC 401(K) PLAN is $176,982.00

GOLUB CAPITAL LLC 401(K) PLAN Estimated Average Employee Contribution Amount

In 2023, the estimated average employee contribution amount per participant for GOLUB CAPITAL LLC 401(K) PLAN is $23,686.00. 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.
1,515,945.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 23,686.00 in GOLUB CAPITAL LLC 401(K) PLAN, assuming a 10%* annual return.

2023 & 2024 401(k) contribution limits by IRS

 Pretax and roth employee contributionsEmployee and employer contributions combinedCatch-up contributions (in addition to the employee and employer combined limit, age 50 and over)
401(k) contribution limit for 2023$22,500$66,000$7,500
401(k) contribution limit for 2024$23,000$69,000$7,500

$1,440,056: this is the amount you will have saved 20 years later if you contribute the maximum of $22,500 annually for 20 years, assuming a 10%* annual return.

$4,224,165: for those who can maximize employee and employer annual $66,000 contributions for 20 years, assuming a 10%* annual return, you will be 3 times richer!

Use the 401(k) Savings Calculator to determine how much your contributions will accumulate over time.

Employer match in GOLUB CAPITAL LLC 401(K) PLAN

An employer match is deemed as ‘free’ money wherein your employer contributes additional funds to your allocated retirement savings plan. The matching amount can frequently be several percentage points of your compensation. Don’t avoid this free salary ‘raise’.

GOLUB CAPITAL LLC 401(K) PLAN Total Employer Contribution and Match Rate

In 2023, GOLUB CAPITAL LLC 401(K) PLAN allocates $4,607,113.00 to match its employees' contributions, providing an employer match rate of 26.34% of their contributions

GOLUB CAPITAL LLC 401(K) PLAN Estimated Average Employer Match

In 2023, the estimated average employer match for an employee in GOLUB CAPITAL LLC 401(K) PLAN is approximately $5,530.00
Investing in this additonal $5,530.00 for 20 years would give you extra $353,967.00, assuming a 10% annual return.

GOLUB CAPITAL LLC 401(K) PLAN Contribution & Match Policy

1. Employee Contribution Rates: Employees can contribute up to 100 percent of their salary, provided the total does not exceed the lesser of 90 percent of their pre-tax annual compensation or $20,500 (or $27,000 for participants over the age of 50) in 2022.

2. Employer Match/Contribution Conditions: The employer matches contributions at fifty percent of the first six percent of the eligible contributions made by the participant.

3. Vesting Schedule/Eligibility: Participants are immediately vested in deferral and rollover contributions, as well as safe harbor non-elective employer contributions. For employer discretionary non-elective contributions, participants are not vested if they have less than two years of service, vest at a rate of 20 percent per annum for two to six years of service, and are fully vested after six years. For employer discretionary match contributions, participants are not vested if they have less than two years of service, vest at a rate of 25 percent per annum for two to five years of service, and are fully vested after five years.

4. Roth 401(k) Contribution: The plan allows for Roth 401(k) contribution.

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