REAL SERVICES, INC. 403(B) PLAN Contribution & Employer Match

How REAL SERVICES, INC. Supports Your Retirement Savings

REAL SERVICES, INC. provides retirement savings benefits through REAL SERVICES, INC. 403(B) 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.

REAL SERVICES, INC. 403(B) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for REAL SERVICES, INC. 403(B) PLAN is $23,080.00

REAL SERVICES, INC. 403(B) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for REAL SERVICES, INC. 403(B) PLAN is $1,738.00. 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.
111,294.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 1,738.00 in REAL SERVICES, INC. 403(B) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in REAL SERVICES, INC. 403(B) 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.

REAL SERVICES, INC. 403(B) PLAN Total Employer Contribution and Match Rate

In 2024, REAL SERVICES, INC. 403(B) PLAN allocates $363,354.00 to match its employees’ contributions, providing an employer match rate of 72.93% of their contributions

REAL SERVICES, INC. 403(B) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in REAL SERVICES, INC. 403(B) PLAN is approximately $1,124.00
Investing in this additonal $1,124.00 for 20 years would give you extra $71,995.00, 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.

REAL SERVICES, INC. 403(B) PLAN Contribution & Match Policy

REAL SERVICES, INC. 403(B) PLAN Plan Policies

REAL SERVICES, INC. 403(B) PLAN Contribution, Match and Other Plan Policies

  • Participants may contribute up to 100 percent of annual compensation in pre-tax or Roth deferrals, as defined in the plan document and allowed by law.
  • Participants may also roll over amounts representing distributions from other qualified plans.
  • The Plan permits catch-up contributions for participants who have attained age 50 by the end of the plan year.
  • In addition, the Plan permits special Internal Revenue Code (IRC) Section 403(b) catch-up contributions for employees who have completed 15 years of service with the Employer.
  • The Plan provides for automatic election of deferrals at a rate of 5 percent of compensation for all new participants.
  • Participants may affirmatively elect a different deferral percentage or elect not to defer into the Plan.
  • Unless affirmatively elected otherwise, the contribution percentage for participants that have been automatically enrolled in the Plan is increased annually by 1 percent up to a maximum of 12 percent of compensation.
  • The Plan provides for employer nonelective contributions equal to 5 percent of participant compensation for all participants who have completed one year of service and 1,000 hours of credited service during the plan year.
  • Participants are immediately vested in all contributions plus actual earnings thereon.

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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