MSD PUERTO RICO SAVINGS AND SECURITY PLAN Contribution & Employer Match

How MSD INTERNATIONAL GMBH (PUERTO RICO BRANCH) LLC Supports Your Retirement Savings

MSD INTERNATIONAL GMBH (PUERTO RICO BRANCH) LLC provides retirement savings benefits through MSD PUERTO RICO SAVINGS AND SECURITY 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.

MSD PUERTO RICO SAVINGS AND SECURITY PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for MSD PUERTO RICO SAVINGS AND SECURITY PLAN is $186,325.00

MSD PUERTO RICO SAVINGS AND SECURITY PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for MSD PUERTO RICO SAVINGS AND SECURITY PLAN is $4,084.00. 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.
261,393.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,084.00 in MSD PUERTO RICO SAVINGS AND SECURITY PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in MSD PUERTO RICO SAVINGS AND SECURITY 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.

MSD PUERTO RICO SAVINGS AND SECURITY PLAN Total Employer Contribution and Match Rate

In 2024, MSD PUERTO RICO SAVINGS AND SECURITY PLAN allocates $2,080,561.00 to match its employees’ contributions, providing an employer match rate of 37.39% of their contributions

MSD PUERTO RICO SAVINGS AND SECURITY PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in MSD PUERTO RICO SAVINGS AND SECURITY PLAN is approximately $1,673.00
Investing in this additonal $1,673.00 for 20 years would give you extra $107,124.00, 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.

MSD PUERTO RICO SAVINGS AND SECURITY PLAN Contribution & Match Policy

MSD PUERTO RICO SAVINGS AND SECURITY PLAN Plan Policies

MSD PUERTO RICO SAVINGS AND SECURITY PLAN Contribution, Match and Other Plan Policies

  • Participants may contribute up to 25% of their annual eligible compensation on a before-tax basis.
  • However, before-tax contributions cannot exceed the lesser of: (i) the amount as in effect under Section 402(g) of the U.S.
  • Internal Revenue Code of 1986, as amended (the U.S.
  • Code) or Section 1081.01(d)(7)(A) of the Internal Revenue Code for a New Puerto Rico of 2011, as amended (the 2011 PR Code); or (ii) in the case of highly compensated employees, the average actual deferral percentage limit.
  • Participants may also contribute up to 25% of their annual eligible compensation on an after-tax basis subject to the limit provided under Section 1081.01(a)(15).
  • In addition, the Plan permits unmatched before-tax catch-up contributions of up to $1,500 by participants who are at least age 50 by year-end.
  • Participants are automatically enrolled in the Plan 60 days after first becoming eligible with a before-tax base pay contribution rate of 6%.
  • In addition, each participant with a before-tax base pay contribution rate of at least 1% may elect to participate in an annual automatic increase program, in whole percentages of at least 1% and not more than 3% per year.
  • The automatic percentage increase may not cause a participant’s before-tax base pay contribution rate to exceed 25%.
  • In addition, the Companies make matching contributions of $0.75 for every $1.00 of an employee’s contributions, up to 6% of such employee’s eligible compensation (maximum match is 4.5% of eligible compensation) per pay period (to the statutory limit).
  • Participants are immediately vested in their contributions, all Companies’ matching contributions, plus actual earnings thereon.

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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