LADDER LIFE 401(K) PLAN Contribution & Employer Match
How LADDER FINANCIAL INC. Supports Your Retirement Savings
LADDER FINANCIAL INC. provides retirement savings benefits through LADDER LIFE 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.
LADDER LIFE 401(K) PLAN Average Participant Retirement Account Value
LADDER LIFE 401(K) PLAN Estimated Average Employee Contribution Amount
1,090,568.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 17,040.00 in LADDER LIFE 401(K) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in LADDER LIFE 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.
LADDER LIFE 401(K) PLAN Total Employer Contribution and Match Rate
LADDER LIFE 401(K) PLAN Estimated Average Employer Match
Investing in this additonal $3,894.00 for 20 years would give you extra $249,273.00, 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.
LADDER LIFE 401(K) PLAN Contribution & Match Policy
LADDER LIFE 401(K) PLAN Contribution, Match and Other Plan Policies
- Participants are permitted to make voluntary pre-tax salary deferrals and Roth post-tax contributions up to 50% of their annual compensation, as defined in the Plan agreement.
- Participants who have reached the age of 50 may also elect to withhold additional catch-up contributions under the Code.
- The Plan provides for automatic enrollment on the date participants become eligible for the Plan.
- The automatic pre-tax salary deferral contribution is 4% of eligible compensation, as defined by the Plan agreement, unless participants request a different amount to be contributed or formally decline participation.
- The Company made matching contributions of $732,241 to the Plan, of which $27,558 was a receivable as of December 31, 2024.
- These contributions represent 100% of a participant’s deferral contributions, up to a maximum of 4% of eligible gross annual compensation.
- NOT_FOUND – The vesting information was not included in the extracted text.
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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