M MOSER ASSOCIATES, LLC 401(K) PLAN AMP Contribution & Employer Match
How M MOSER ASSOCIATES, LLC Supports Your Retirement Savings
M MOSER ASSOCIATES, LLC provides retirement savings benefits through M MOSER ASSOCIATES, LLC 401(K) PLAN AMP. 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.
M MOSER ASSOCIATES, LLC 401(K) PLAN AMP Average Participant Retirement Account Value
M MOSER ASSOCIATES, LLC 401(K) PLAN AMP Estimated Average Employee Contribution Amount
754,417.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 11,787.00 in M MOSER ASSOCIATES, LLC 401(K) PLAN AMP, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in M MOSER ASSOCIATES, LLC 401(K) PLAN AMP
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.
M MOSER ASSOCIATES, LLC 401(K) PLAN AMP Total Employer Contribution and Match Rate
M MOSER ASSOCIATES, LLC 401(K) PLAN AMP Estimated Average Employer Match
Investing in this additonal $2,422.00 for 20 years would give you extra $155,014.00, 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.
M MOSER ASSOCIATES, LLC 401(K) PLAN AMP Contribution & Match Policy
M MOSER ASSOCIATES, LLC 401(K) PLAN AMP Contribution, Match and Other Plan Policies
- Each year, participants may contribute up to 90% of their plan compensation in pre-tax deferrals (as defined in the Plan), up to the limits defined by law.
- Participants who have attained age 50 before the end of the plan year are eligible to make catch-up contributions.
- The Company makes a safe harbor matching contribution equal to 100% of the first 3%, plus 50% of the next 2%, of a participant’s eligible compensation contributed to the Plan.
- During 2024, the Company contributed safe harbor matching contributions totaling $389,412.
- Additionally, the Company may, on a discretionary basis, contribute matching and profit-sharing contributions to the Plan.
- For the year ended December 31, 2024, the Company did not elect to make either discretionary matching or profit-sharing contributions.
- Participants are immediately vested in their own contributions, and safe harbor matching contributions, plus the actual earnings thereon. Vesting in employer discretionary matching and profit sharing contributions is determined by the following
- Less than 2 years: 0%
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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