ODS RETIREMENT PLAN Contribution & Employer Match

How DESILVA GATES CONTRUCTION, LP Supports Your Retirement Savings

DESILVA GATES CONTRUCTION, LP provides retirement savings benefits through ODS RETIREMENT 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.

ODS RETIREMENT PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for ODS RETIREMENT PLAN is $205,515.00

ODS RETIREMENT PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for ODS RETIREMENT PLAN is $7,631.00. 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.
488,403.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 7,631.00 in ODS RETIREMENT PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in ODS RETIREMENT 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.

ODS RETIREMENT PLAN Total Employer Contribution and Match Rate

In 2024, ODS RETIREMENT PLAN allocates $1,179,373.00 to match its employees’ contributions, providing an employer match rate of 37.42% of their contributions

ODS RETIREMENT PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in ODS RETIREMENT PLAN is approximately $2,704.00
Investing in this additonal $2,704.00 for 20 years would give you extra $173,118.00, 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.

ODS RETIREMENT PLAN Contribution & Match Policy

ODS RETIREMENT PLAN Plan Policies

ODS RETIREMENT PLAN Contribution, Match and Other Plan Policies

  • The Plan includes an automatic enrollment provision whereby all newly eligible employees or previously eligible participants that declined participation, are automatically enrolled in the Plan unless they affirmatively elect not to participate in the Plan.
  • Automatically enrolled participants have their deferral rate set at 3% of eligible compensation and their contributions invested in a designated balanced fund until changed by the participant.
  • Automatically enrolled participants will have their deferral rate increased by 1% each successive April until their deferral rate reaches a maximum of 10%.
  • Participants can elect to contribute from 1% to 100% of their qualified compensation up to a maximum of $23,000 and $22,500 for participants under age 50, or $30,500 and $30,000 for participants age 50 and over as a pretax salary reduction contribution for each of the years ended December 31, 2024 and 2023, respectively.
  • Employer profit sharing contributions for the years ended December 31, 2024 and 2023 represented 3% of each participant’s qualified compensation.
  • Vesting schedule: 1 year: 10% 2 years: 20% 3 years: 40% 4 years: 60% 5 years: 80% 6 years or more: 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:

 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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