NEWBURY COMICS EMPLOYEE BENEFIT TRUST Contribution & Employer Match
How NEWBURY COMICS, INC. Supports Your Retirement Savings
NEWBURY COMICS, INC. provides retirement savings benefits through NEWBURY COMICS EMPLOYEE BENEFIT TRUST. 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.
NEWBURY COMICS EMPLOYEE BENEFIT TRUST Average Participant Retirement Account Value
NEWBURY COMICS EMPLOYEE BENEFIT TRUST Estimated Average Employee Contribution Amount
79,541.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 1,242.00 in NEWBURY COMICS EMPLOYEE BENEFIT TRUST, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in NEWBURY COMICS EMPLOYEE BENEFIT TRUST
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.
NEWBURY COMICS EMPLOYEE BENEFIT TRUST Total Employer Contribution and Match Rate
NEWBURY COMICS EMPLOYEE BENEFIT TRUST Estimated Average Employer Match
Investing in this additonal $600.00 for 20 years would give you extra $38,421.00, 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.
NEWBURY COMICS EMPLOYEE BENEFIT TRUST Contribution & Match Policy
NEWBURY COMICS EMPLOYEE BENEFIT TRUST Contribution, Match and Other Plan Policies
- Eligible participants may contribute the lesser of up to 90% of their eligible pretax annual compensation, as defined by the Plan, or the maximum allowed by law ($23,000 for 2024 and $22,500 for 2023).
- Participants may alternatively elect to make after-tax Roth 401(k) deferral contributions.
- Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
- The Company provides for "Safe Harbor" matching contributions of 100% of participant contributions up to the first 3% of compensation, and 50% of participant contributions for the next 2% of compensation.
- Participants are immediately vested in their contributions and employer "Safe Harbor" matching contributions, plus the related allocated Plan earnings thereon.
- Effective April 1, 2021, the Company’s board of directors voted to remove vesting requirements for all employees employed as of that date.
- Employees previously became vested in employer matching contributions made prior to January 1, 2002, from July 1 to December 31, 2019, and earnings thereon as follows: Years of Service Vesting % 1 20% 2 40% 3 60% 4 80% 5 100%
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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