RIVERSIDE STAFFING SERVICES, INC. 401(K) PLAN Contribution & Employer Match
How RIVERSIDE STAFFING SERVICES, INC. Supports Your Retirement Savings
RIVERSIDE STAFFING SERVICES, INC. provides retirement savings benefits through RIVERSIDE STAFFING SERVICES, INC. 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.
RIVERSIDE STAFFING SERVICES, INC. 401(K) PLAN Average Participant Retirement Account Value
RIVERSIDE STAFFING SERVICES, INC. 401(K) PLAN Estimated Average Employee Contribution Amount
92,855.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 1,450.00 in RIVERSIDE STAFFING SERVICES, INC. 401(K) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in RIVERSIDE STAFFING SERVICES, INC. 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.
RIVERSIDE STAFFING SERVICES, INC. 401(K) PLAN Total Employer Contribution and Match Rate
RIVERSIDE STAFFING SERVICES, INC. 401(K) PLAN Estimated Average Employer Match
Investing in this additonal $191.00 for 20 years would give you extra $12,281.00, 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.
RIVERSIDE STAFFING SERVICES, INC. 401(K) PLAN Contribution & Match Policy
RIVERSIDE STAFFING SERVICES, INC. 401(K) PLAN Contribution, Match and Other Plan Policies
- Employees who are eligible to participate in this plan may elect to contribute a share of their compensation as defined in the Plan, up to the maximum amount allowed by ERISA and the Internal Revenue Code.
- Employees who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions as allowed by the Internal Revenue Code.
- Participants may also designate all or a portion of their elective deferral as a Roth elective deferral.
- The Plan provides that the employer will make a matching contribution equal to 50% of the first 3% of eligible compensation that a participant contributed to the Plan up to a maximum of $1,000.
- Participants are immediately vested in their voluntary contributions plus actual earnings thereon.
- Employer contributions vest over six years of service; 20% after two years, 40% after three years, 60% after four years, 80% after five years, and 100% after six years.
- Upon death, permanent disability, or normal retirement at the age of 65, a participant’s account becomes fully vested.
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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