MILESTONES, INC. 401(K) PLAN Contribution & Employer Match

How MILESTONES, INC Supports Your Retirement Savings

MILESTONES, INC provides retirement savings benefits through MILESTONES, INC. 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.

MILESTONES, INC. 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for MILESTONES, INC. 401(K) PLAN is $42,931.00

MILESTONES, INC. 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for MILESTONES, INC. 401(K) PLAN is $5,901.00. 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.
377,720.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 5,901.00 in MILESTONES, INC. 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in MILESTONES, INC. 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.

MILESTONES, INC. 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, MILESTONES, INC. 401(K) PLAN allocates $318,228.00 to match its employees’ contributions, providing an employer match rate of 76.48% of their contributions

MILESTONES, INC. 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in MILESTONES, INC. 401(K) PLAN is approximately $2,256.00
Investing in this additonal $2,256.00 for 20 years would give you extra $144,443.00, 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.

MILESTONES, INC. 401(K) PLAN Contribution & Match Policy

MILESTONES, INC. 401(K) PLAN Plan Policies

MILESTONES, INC. 401(K) PLAN Contribution, Match and Other Plan Policies

  • Employee contributions to the Plan are made each payroll period as elected by the participants up to 100% of their eligible pre-tax annual compensations, as defined by the Plan, subject to dollar limits set by the Internal Revenue Code.
  • Participants who have reached the age of 50 before the end of the Plan year are eligible to make catch-up contributions.
  • Each year, the employer may make a discretionary matching contribution to the Plan.
  • Participants are eligible to receive employer matching contributions if they were employed on the last day of the Plan year.
  • For purposes of determining the matching contributions under the Plan, participant contributions do not include catch-up contributions.
  • Each participant who has satisfied the service requirements of the Plan, is entitled to receive an allocation of Employer matching contributions for each Plan year equal to a percentage of salary reduction contributions deferred during that Plan year.
  • Participants are immediately 100% vested in their voluntary contributions, rollovers, and earnings thereon.
  • Participants are vested in employer contributions on a graded schedule with participants becoming fully vested after three (3) years of vesting service.
  • A participant can become fully vested upon death or disability, as defined by the Plan.

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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