PREFERRED EMPLOYER PLAN FOR ENVIOS DE VALORES LA NACIONAL CORP Contribution & Employer Match

How FIDUCIARY WISE, LLC FBO ENVIOS DE VALORES LA NACIONAL CORP Supports Your Retirement Savings

FIDUCIARY WISE, LLC FBO ENVIOS DE VALORES LA NACIONAL CORP provides retirement savings benefits through PREFERRED EMPLOYER PLAN FOR ENVIOS DE VALORES LA NACIONAL CORP. 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.

PREFERRED EMPLOYER PLAN FOR ENVIOS DE VALORES LA NACIONAL CORP Average Participant Retirement Account Value

In 2024, the average participant retirement account value for PREFERRED EMPLOYER PLAN FOR ENVIOS DE VALORES LA NACIONAL CORP is $13,310.00

PREFERRED EMPLOYER PLAN FOR ENVIOS DE VALORES LA NACIONAL CORP Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for PREFERRED EMPLOYER PLAN FOR ENVIOS DE VALORES LA NACIONAL CORP is $962.00. 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.
61,621.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 962.00 in PREFERRED EMPLOYER PLAN FOR ENVIOS DE VALORES LA NACIONAL CORP, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in PREFERRED EMPLOYER PLAN FOR ENVIOS DE VALORES LA NACIONAL CORP

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.

PREFERRED EMPLOYER PLAN FOR ENVIOS DE VALORES LA NACIONAL CORP Total Employer Contribution and Match Rate

In 2024, PREFERRED EMPLOYER PLAN FOR ENVIOS DE VALORES LA NACIONAL CORP allocates $160,946.00 to match its employees’ contributions, providing an employer match rate of 63.08% of their contributions

PREFERRED EMPLOYER PLAN FOR ENVIOS DE VALORES LA NACIONAL CORP Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in PREFERRED EMPLOYER PLAN FOR ENVIOS DE VALORES LA NACIONAL CORP is approximately $670.00
Investing in this additonal $670.00 for 20 years would give you extra $42,918.00, 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.

PREFERRED EMPLOYER PLAN FOR ENVIOS DE VALORES LA NACIONAL CORP Contribution & Match Policy

PREFERRED EMPLOYER PLAN FOR ENVIOS DE VALORES LA NACIONAL CORP Plan Policies

PREFERRED EMPLOYER PLAN FOR ENVIOS DE VALORES LA NACIONAL CORP Contribution, Match and Other Plan Policies

  • Participants may elect to contribute to the Plan a portion of their compensation, as defined by the Plan, on a pre-tax or after-tax (Roth) basis, subject to Internal Revenue Service (IRS) limitations.
  • Catch-up contributions are permitted for participants who are 50 or older during the Plan year.
  • The total maximum allowable contribution per participant to the Plan directly from the participant was $23,000 for the fiscal Plan year, not including additional catch-up contributions allowed for participants over the age of 50, which were $7,500.
  • The Company funds safe harbor matching contributions equal to 100% of the first 4% of participants eligible compensation.
  • Participants are immediately vested in their contributions, the Company’s safe harbor matching contributions, plus actual earnings thereon. Vesting in employer discretionary and profit-sharing contributions plus actual earnings thereon is based on years of continuous service. Vesting in the Company’s discretionary matching and non-elective contributions is as follows: Years of service Percent
  • Less than 1 years: 0%

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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