MCGUYER HOMEBUILDERS, INC SAVINGS PLAN Contribution & Employer Match
How MCGUYER HOMEBUILDERS, INC Supports Your Retirement Savings
MCGUYER HOMEBUILDERS, INC provides retirement savings benefits through MCGUYER HOMEBUILDERS, INC 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.
MCGUYER HOMEBUILDERS, INC SAVINGS PLAN Average Participant Retirement Account Value
MCGUYER HOMEBUILDERS, INC SAVINGS PLAN Estimated Average Employee Contribution Amount
438,615.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 6,853.00 in MCGUYER HOMEBUILDERS, INC SAVINGS PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in MCGUYER HOMEBUILDERS, INC 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.
MCGUYER HOMEBUILDERS, INC SAVINGS PLAN Total Employer Contribution and Match Rate
MCGUYER HOMEBUILDERS, INC SAVINGS PLAN Estimated Average Employer Match
Investing in this additonal $1,009.00 for 20 years would give you extra $64,624.00, 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.
MCGUYER HOMEBUILDERS, INC SAVINGS PLAN Contribution & Match Policy
1. Employee Contribution Rates: Employees can contribute up to 90% of their salary to the plan.
2. Employer Match/Contribution Conditions: The employer matches up to 50% of employee contributions, with a maximum annual contribution of $1,800 per participant. The matching contributions are only made for participants who are employed on the last day of the Plan year or who have terminated employment due to death, disability, or retirement.
3. Vesting Schedule/Eligibility: The vesting schedule for employer contributions is based on a graded scale, with full vesting occurring after six years of credited service. Participants are immediately vested in their contributions and Company contributions upon death, disability, or attainment of normal retirement age. Eligibility requires completion of 60 days of service and attainment of 18 years of age.
4. Roth 401(k) Contribution: The plan allows 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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