MAB COMMUNITY SERVICES RETIREMENT SAVINGS PLAN Contribution & Employer Match

How MAB COMMUNITY SERVICES INC. Supports Your Retirement Savings

MAB COMMUNITY SERVICES INC. provides retirement savings benefits through MAB COMMUNITY SERVICES RETIREMENT SAVINGS 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.

MAB COMMUNITY SERVICES RETIREMENT SAVINGS PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for MAB COMMUNITY SERVICES RETIREMENT SAVINGS PLAN is $8,361.00

MAB COMMUNITY SERVICES RETIREMENT SAVINGS PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for MAB COMMUNITY SERVICES RETIREMENT SAVINGS PLAN is $968.00. 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.
62,008.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 968.00 in MAB COMMUNITY SERVICES RETIREMENT SAVINGS PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in MAB COMMUNITY SERVICES RETIREMENT SAVINGS 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.

* 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.

MAB COMMUNITY SERVICES RETIREMENT SAVINGS PLAN Contribution & Match Policy

MAB COMMUNITY SERVICES RETIREMENT SAVINGS PLAN Plan Policies

MAB COMMUNITY SERVICES RETIREMENT SAVINGS PLAN Contribution, Match and Other Plan Policies

  • Each year, participants may contribute up to 100% of pre-tax annual compensation, subject to annual Internal Revenue Service (IRS) limitations.
  • The Plan allows for catch-up contributions for participants who have attained age fifty by the end of the plan year.
  • The Plan also allows for post-tax (Roth) contributions.
  • The Plan allows for discretionary matching contributions and for additional non-elective annual contributions.
  • The Plan Sponsor elected not to provide any contributions for eligible employees for the year ended December 31, 2024.
  • Participants are immediately vested in their contributions, plus actual earnings or losses thereon.
  • Participants are subject to a three-year cliff vesting schedule for the Plan Sponsor contributions; which participants become fully vested after completing three years of consecutive service.
  • Participants become fully vested upon death or disability.

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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