MCCARTHY EMPLOYEE RETIREMENT SAVINGS PLAN Contribution & Employer Match
How GENUINE MCCARTHY ENTERPRISES, INC. Supports Your Retirement Savings
GENUINE MCCARTHY ENTERPRISES, INC. provides retirement savings benefits through MCCARTHY EMPLOYEE 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.
MCCARTHY EMPLOYEE RETIREMENT SAVINGS PLAN Average Participant Retirement Account Value
MCCARTHY EMPLOYEE RETIREMENT SAVINGS PLAN Estimated Average Employee Contribution Amount
556,282.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 8,691.00 in MCCARTHY EMPLOYEE RETIREMENT SAVINGS PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in MCCARTHY EMPLOYEE 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.
MCCARTHY EMPLOYEE RETIREMENT SAVINGS PLAN Total Employer Contribution and Match Rate
MCCARTHY EMPLOYEE RETIREMENT SAVINGS PLAN Estimated Average Employer Match
Investing in this additonal $3,687.00 for 20 years would give you extra $235,977.00, 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.
MCCARTHY EMPLOYEE RETIREMENT SAVINGS PLAN Contribution & Match Policy
1. Employee Contribution Rates: Participants may defer 100% of eligible compensation.
2. Employer Match/Contribution Conditions: The employer matches 50% of the first 6% of salary deferral contributions made by eligible participants.
3. Vesting Schedule/Eligibility: Employer contributions vest at a rate of 20% for each year of vesting service, becoming fully vested after five years. One year of service is required to share in Company discretionary matching and profit sharing contributions, and nondiscretionary safe harbor contributions.
4. It allows Roth 401(k) contribution.
MCCARTHY EMPLOYEE RETIREMENT SAVINGS PLAN Maximum Match Calculator
This calculator helps to decide what's the minimum contribution you have to maximize your employer match.
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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