ONEMAIN 401(K) PLAN Contribution & Employer Match

How ONEMAIN GENERAL SERVICES CORPORATION Supports Your Retirement Savings

ONEMAIN GENERAL SERVICES CORPORATION provides retirement savings benefits through ONEMAIN 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.

ONEMAIN 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for ONEMAIN 401(K) PLAN is $57,089.00

ONEMAIN 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for ONEMAIN 401(K) PLAN is $6,595.00. 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.
422,101.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 6,595.00 in ONEMAIN 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in ONEMAIN 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.

ONEMAIN 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, ONEMAIN 401(K) PLAN allocates $19,445,437.00 to match its employees’ contributions, providing an employer match rate of 51.74% of their contributions

ONEMAIN 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in ONEMAIN 401(K) PLAN is approximately $1,706.00
Investing in this additonal $1,706.00 for 20 years would give you extra $109,196.00, 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.

ONEMAIN 401(K) PLAN Contribution & Match Policy

ONEMAIN 401(K) PLAN Plan Policies

ONEMAIN 401(K) PLAN Contribution, Match and Other Plan Policies

  • The amount of elective deferral contributions that may be made on behalf of a participant for any Plan year shall equal a percentage, as designated by the participant, of their eligible compensation, as defined in the Plan Documents.
  • The amount of elective deferrals designated by the participant must be in whole percentages, not to exceed seventy five percent of the eligible compensation otherwise payable to the participant for the Plan year.
  • Employee contributions are limited to $23,000 for the 2024 Plan year or such other limitation as imposed from time to time by the Code.
  • Additionally, individuals who are age 50 or over at the end of the Plan year can make annual catch-up contributions of up to $7,500 for the 2024 Plan year.
  • The employer shall make an employer Safe Harbor matching contribution, under the Enhanced Match guidelines, equal to a percentage of the total elective deferrals made on behalf of the participant for the Plan year.
  • The employer Safe Harbor enhanced matching contribution rate is 100 percent of the first 4 percent of a participant’s eligible compensation contributions to the Plan.
  • A participant shall be fully vested at all times in employer Safe Harbor matching contributions.
  • The nonelective contribution shall be fully vested after three years of service.

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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