GOTTSCH EMPLOYERS GROUP 401(K) PLAN Contribution & Employer Match

How GOTTSCH EMPLOYERS GROUP, LLC Supports Your Retirement Savings

GOTTSCH EMPLOYERS GROUP, LLC provides retirement savings benefits through GOTTSCH EMPLOYERS GROUP 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.

GOTTSCH EMPLOYERS GROUP 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for GOTTSCH EMPLOYERS GROUP 401(K) PLAN is $32,894.00

GOTTSCH EMPLOYERS GROUP 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for GOTTSCH EMPLOYERS GROUP 401(K) PLAN is $2,319.00. 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.
148,470.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,319.00 in GOTTSCH EMPLOYERS GROUP 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in GOTTSCH EMPLOYERS GROUP 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.

GOTTSCH EMPLOYERS GROUP 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, GOTTSCH EMPLOYERS GROUP 401(K) PLAN allocates $216,035.00 to match its employees’ contributions, providing an employer match rate of 26.95% of their contributions

GOTTSCH EMPLOYERS GROUP 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in GOTTSCH EMPLOYERS GROUP 401(K) PLAN is approximately $577.00
Investing in this additonal $577.00 for 20 years would give you extra $36,968.00, 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.

GOTTSCH EMPLOYERS GROUP 401(K) PLAN Contribution & Match Policy

GOTTSCH EMPLOYERS GROUP 401(K) PLAN Plan Policies

GOTTSCH EMPLOYERS GROUP 401(K) PLAN Contribution, Match and Other Plan Policies

  • Each year, participants may elect to contribute up to 100 percent of their annual pretax compensation, as defined by the Plan not to exceed the maximum allowed by the Internal Revenue Code.
  • Participants who have attained age fifty before the end of the Plan year are eligible to make catch-up contributions.
  • Participants also may contribute amounts representing roll-over distributions from other qualified plans.
  • For the years ending December 31, 2024 and 2023, the Company made discretionary matching contributions of 35% of the first 8% of eligible compensation for all business units and locations which amounted to total Company contributions of $216,035 and $164,442, respectively.
  • Except as described below, participants are vested immediately in their contributions plus actual earnings (losses) thereon.
  • Vesting in the Company’s discretionary matching contribution is based on years of credited service.
  • A participant is 20% vested after two years of service and an additional 20% each year thereafter until fully vested after six years of service.
  • Participants become fully vested in Company’s contributions upon death or total and permanent disability.
  • Employer matching and non-elective profit-sharing contributions for participants transferred into the Plan from the Omaha Fixture Manufacturing, Inc.
  • P/S 401(k) Plan vest 20% after the first year of service and an additional 20% each year thereafter until fully vested after five years of service.

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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