RETIRE RIGHT 401(K) PLAN Contribution & Employer Match
How LEADING PLAN SOLUTIONS, INC. Supports Your Retirement Savings
LEADING PLAN SOLUTIONS, INC. provides retirement savings benefits through RETIRE RIGHT 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.
RETIRE RIGHT 401(K) PLAN Average Participant Retirement Account Value
RETIRE RIGHT 401(K) PLAN Estimated Average Employee Contribution Amount
123,885.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 1,935.00 in RETIRE RIGHT 401(K) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in RETIRE RIGHT 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.
RETIRE RIGHT 401(K) PLAN Total Employer Contribution and Match Rate
RETIRE RIGHT 401(K) PLAN Estimated Average Employer Match
Investing in this additonal $34.00 for 20 years would give you extra $2,183.00, 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.
RETIRE RIGHT 401(K) PLAN Contribution & Match Policy
RETIRE RIGHT 401(K) PLAN Contribution, Match and Other Plan Policies
- Each year, participants may contribute up to 100% of pretax annual compensation (as defined in the Plan) up to the limits defined by law.
- Participants also may designate all or a portion of their deferral contributions as after tax contributions into a Roth account.
- Participants who have attained age 50 before the end of the plan year are eligible to make catch-up contributions.
- Under the terms of the Participating Employers’ adoption agreements, the Participating Employers may elect to make safe harbor, discretionary matching and/or discretionary profit-sharing contributions to the Plan.
- Safe harbor contributions made to the Plan during the 2024 plan year totaled $52,334.
- Discretionary employer matching contributions made to the Plan during the 2024 plan year totaled $988.
- The Participating Employers did not elect to make discretionary profit-sharing contributions for the 2024 plan year.
- Participants are immediately vested in their own contributions and safe harbor contributions, plus actual earnings thereon. Employer discretionary matching contributions and employer discretionary profit-sharing contributions are based on the following
- Less than 2 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:
| 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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