HOEFER WELKER, LLC 401(K) PLAN Contribution & Employer Match
How HOEFER WELKER, LLC Supports Your Retirement Savings
HOEFER WELKER, LLC provides retirement savings benefits through HOEFER WELKER, LLC 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.
HOEFER WELKER, LLC 401(K) PLAN Average Participant Retirement Account Value
HOEFER WELKER, LLC 401(K) PLAN Estimated Average Employee Contribution Amount
303,864.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,747.00 in HOEFER WELKER, LLC 401(K) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in HOEFER WELKER, LLC 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.
HOEFER WELKER, LLC 401(K) PLAN Total Employer Contribution and Match Rate
HOEFER WELKER, LLC 401(K) PLAN Estimated Average Employer Match
Investing in this additonal $2,036.00 for 20 years would give you extra $130,333.00, 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.
HOEFER WELKER, LLC 401(K) PLAN Contribution & Match Policy
1. Employee Contribution Rates: Eligible employees may contribute up to 100% of their annual compensation.
2. Employer Match/Contribution Conditions: The Company makes required contributions equal to 3% of compensation for each eligible employee.
3. Vesting Schedule/Eligibility: Participants are immediately 100% vested in their contributions and the Company’s safe harbor contributions. Vesting in additional discretionary contributions is based on years of service: 0% for less than 1 year, 25% at 2 years, 50% at 3 years, 75% at 4 years, and 100% at 5 years.
4. Roth 401(k) Contribution: The Plan allows after-tax (Roth) contributions.
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.
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