OWL SERVICES 401(K) PLAN Contribution & Employer Match

How THE OSCAR W. LARSON COMPANY Supports Your Retirement Savings

THE OSCAR W. LARSON COMPANY provides retirement savings benefits through OWL SERVICES 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.

OWL SERVICES 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for OWL SERVICES 401(K) PLAN is $42,852.00

OWL SERVICES 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for OWL SERVICES 401(K) PLAN is $8,080.00. 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.
517,162.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 8,080.00 in OWL SERVICES 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in OWL SERVICES 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.

OWL SERVICES 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, OWL SERVICES 401(K) PLAN allocates $6,164,466.00 to match its employees’ contributions, providing an employer match rate of 57.47% of their contributions

OWL SERVICES 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in OWL SERVICES 401(K) PLAN is approximately $2,321.00
Investing in this additonal $2,321.00 for 20 years would give you extra $148,597.00, 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.

OWL SERVICES 401(K) PLAN Contribution & Match Policy

OWL SERVICES 401(K) PLAN Plan Policies

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

  • Eligible participants are permitted to elect to have a percentage, limited by Plan provisions, of their compensation contributed as pretax 401(k) or Roth contributions to the Plan.
  • Effective May 1, 2024 the Plan was amended to allow after tax contributions up to 10% of compensation.
  • The Plan includes an auto-enrollment provision whereby all newly eligible employees 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 5% of eligible compensation, and their contributions invested in the designated default fund until changed by the participant.
  • For those employees who were automatically enrolled in the Plan, their deferral rate will increase by 1% annually up to 10% of compensation.
  • Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
  • Effective January 1, 2024 the Company makes safe harbor matching contributions equal to 100% of each participant’s elective deferrals up to 3% of compensation, plus 50% of each participant’s elective deferrals that exceed 3%, but do not exceed 5% of compensation.
  • Participants are immediately vested in their contributions and Company safe harbor contributions plus actual earnings thereon.
  • Vesting in the Company matching and nonelective contribution portion of their accounts, plus actual earnings thereon, is based on years of credited service.
  • A participant is 100% vested after three years of credited service.
  • Notwithstanding the above, a participant is fully vested upon reaching normal retirement age, death, or permanent disability.

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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