MOODY NATIONAL BANK 401(K) PLAN Contribution & Employer Match

How MOODY NATIONAL BANK Supports Your Retirement Savings

MOODY NATIONAL BANK provides retirement savings benefits through MOODY NATIONAL BANK 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.

MOODY NATIONAL BANK 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for MOODY NATIONAL BANK 401(K) PLAN is $54,514.00

MOODY NATIONAL BANK 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for MOODY NATIONAL BANK 401(K) PLAN is $4,439.00. 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.
284,146.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,439.00 in MOODY NATIONAL BANK 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in MOODY NATIONAL BANK 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.

MOODY NATIONAL BANK 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, MOODY NATIONAL BANK 401(K) PLAN allocates $675,299.00 to match its employees’ contributions, providing an employer match rate of 62.08% of their contributions

MOODY NATIONAL BANK 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in MOODY NATIONAL BANK 401(K) PLAN is approximately $2,679.00
Investing in this additonal $2,679.00 for 20 years would give you extra $171,504.00, 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.

MOODY NATIONAL BANK 401(K) PLAN Contribution & Match Policy

MOODY NATIONAL BANK 401(K) PLAN Plan Policies

MOODY NATIONAL BANK 401(K) PLAN Contribution, Match and Other Plan Policies

  • Employees may elect to contribute up to 100% of their eligible compensation as a pre-tax elective deferral or a Roth elective deferral not to exceed the limitation ($23,000 in 2024 and $22,500 in 2023) as set forth in Section 402(g) of the IRC.
  • Participants may make catch-up contributions, pre-tax contributions that exceed the annual elective deferral limit, during any calendar year ending on or after the participant’s 50th birthday.
  • Participants’ total catch-up contributions cannot exceed $7,500 in 2024 and 2023.
  • Employees who are eligible to participate in the Plan are automatically enrolled in the Plan and deemed to have elected a deferral rate equal to the percentage of compensation set forth in the table below based on the Plan year in which the automatic deferrals first apply to the participant, unless the employee affirmatively elects not to participate or elects a different deferral rate.
  • Plan Year Percentage: 1-2: 3%, 3: 4%, 4: 5%, 5 and thereafter: 6%.
  • The Company makes safe harbor matching contributions on behalf of each participant equal to the sum of 100% of the first 4% of the eligible employee’s compensation that he or she contributes to the Plan, plus 50% of the next 2% of the eligible employee’s compensation that he or she contributes to the Plan.
  • Participants are immediately vested in their employee contributions and earnings thereon as well as balances rolled over into the Plan from other qualified benefit plans under ERISA.
  • Participants are also immediately vested in safe harbor matching contributions made by the Company prior to December 31, 2018.
  • Participants’ vesting in safe harbor matching contributions subsequent to December 31, 2018, discretionary employer matching contributions and employer non-elective profit sharing contributions are based on years of continuous service.
  • A participant is 100% vested in safe harbor matching contribution after two years of credited service, and for discretionary employer matching contributions and employer non-elective profit sharing contributions after three years of credited service.
  • A participant becomes 100% vested in all Company contributions upon death, disability or attaining normal retirement age, as defined in the Plan document.

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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