OSP LLC 401K PLAN TRUST Contribution & Employer Match
How OSP, LLC Supports Your Retirement Savings
OSP, LLC provides retirement savings benefits through OSP LLC 401K PLAN 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.
OSP LLC 401K PLAN TRUST Average Participant Retirement Account Value
OSP LLC 401K PLAN TRUST Estimated Average Employee Contribution Amount
490,388.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 7,662.00 in OSP LLC 401K PLAN TRUST, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in OSP LLC 401K PLAN 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.
OSP LLC 401K PLAN TRUST Total Employer Contribution and Match Rate
OSP LLC 401K PLAN TRUST Estimated Average Employer Match
Investing in this additonal $3,043.00 for 20 years would give you extra $194,785.00, 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.
OSP LLC 401K PLAN TRUST Contribution & Match Policy
OSP LLC 401K PLAN TRUST Contribution, Match and Other Plan Policies
- Eligible participants may contribute up to 100% of their eligible compensation to the Plan as pre-tax or after-tax Roth contributions.
- The Plan allows participants age 50 and over to make catch up contributions.
- The Employer authorized a matching contribution of 100% of the first 4.11% and 4.78% of participants’ compensation, excluding bonus earnings, respectively, deferred for the years ended December 31, 2024 and 2023.
- Participants are immediately vested in their deferral and Employer matching and nonelective contributions plus actual earnings thereon.
- Terminated participants’ accounts merged in from AmeriNational Community Services LLC 401(k) Plan on January 1, 2017 are subject to a five-year graded vesting schedule as outlined in the Plan document.
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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