MORRIE’S 401(K) PLAN Contribution & Employer Match

How FPH MORRIE’S LLC Supports Your Retirement Savings

FPH MORRIE’S LLC provides retirement savings benefits through MORRIE’S 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.

MORRIE’S 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for MORRIE’S 401(K) PLAN is $38,556.00

MORRIE’S 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for MORRIE’S 401(K) PLAN is $4,160.00. 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.
266,254.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,160.00 in MORRIE’S 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in MORRIE’S 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.

MORRIE’S 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, MORRIE’S 401(K) PLAN allocates $2,379,782.00 to match its employees’ contributions, providing an employer match rate of 46.06% of their contributions

MORRIE’S 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in MORRIE’S 401(K) PLAN is approximately $1,726.00
Investing in this additonal $1,726.00 for 20 years would give you extra $110,526.00, 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.

MORRIE’S 401(K) PLAN Contribution & Match Policy

MORRIE’S 401(K) PLAN Plan Policies

MORRIE’S 401(K) PLAN Contribution, Match and Other Plan Policies

  • Participants, as they elect to, may make contributions to the Plan through payroll deductions based upon either a fixed dollar amount or percentage of their total compensation of up to 100% of their eligible compensation as defined by the Plan, not to exceed the maximum permitted by Internal Revenue Service (IRS) regulations.
  • Participants may also transfer account balances from other qualified plans with the consent of the Plan administrator and provided that the transfer will not jeopardize the tax-exempt status of the Plan.
  • These transfers are not subject to the employer matching provisions of the Plan.
  • The safe harbor contribution is a match of 100% of the first 3% of salary deferral plus 50% of the next 2% of salary deferral.
  • Participants are immediately vested in their voluntary contributions plus actual earnings thereon.
  • Only whole years of service are counted to compute years of service for vesting purposes.
  • Participants become fully vested after the participant has completed three years of service with the Company, reached normal retirement age, or in the event of death or disability.
  • Participants are immediately 100% vested in their safe harbor account.

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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