SAFE-HARBOR 403(B) THRIFT PLAN FOR EMPLOYEES OF GOODWILL OF THE COASTAL EMPIRE, INC. Contribution & Employer Match

How GOODWILL OF THE COASTAL EMPIRE Supports Your Retirement Savings

GOODWILL OF THE COASTAL EMPIRE provides retirement savings benefits through SAFE-HARBOR 403(B) THRIFT PLAN FOR EMPLOYEES OF GOODWILL OF THE COASTAL EMPIRE, INC.. 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.

SAFE-HARBOR 403(B) THRIFT PLAN FOR EMPLOYEES OF GOODWILL OF THE COASTAL EMPIRE, INC. Average Participant Retirement Account Value

In 2024, the average participant retirement account value for SAFE-HARBOR 403(B) THRIFT PLAN FOR EMPLOYEES OF GOODWILL OF THE COASTAL EMPIRE, INC. is $4,521.00

SAFE-HARBOR 403(B) THRIFT PLAN FOR EMPLOYEES OF GOODWILL OF THE COASTAL EMPIRE, INC. Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for SAFE-HARBOR 403(B) THRIFT PLAN FOR EMPLOYEES OF GOODWILL OF THE COASTAL EMPIRE, INC. is $609.00. 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.
38,997.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 609.00 in SAFE-HARBOR 403(B) THRIFT PLAN FOR EMPLOYEES OF GOODWILL OF THE COASTAL EMPIRE, INC., assuming a 10%* annual return.

* Data are from public filings.

Employer Match in SAFE-HARBOR 403(B) THRIFT PLAN FOR EMPLOYEES OF GOODWILL OF THE COASTAL EMPIRE, INC.

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.

SAFE-HARBOR 403(B) THRIFT PLAN FOR EMPLOYEES OF GOODWILL OF THE COASTAL EMPIRE, INC. Total Employer Contribution and Match Rate

In 2024, SAFE-HARBOR 403(B) THRIFT PLAN FOR EMPLOYEES OF GOODWILL OF THE COASTAL EMPIRE, INC. allocates $183,304.00 to match its employees’ contributions, providing an employer match rate of 57.52% of their contributions

SAFE-HARBOR 403(B) THRIFT PLAN FOR EMPLOYEES OF GOODWILL OF THE COASTAL EMPIRE, INC. Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in SAFE-HARBOR 403(B) THRIFT PLAN FOR EMPLOYEES OF GOODWILL OF THE COASTAL EMPIRE, INC. is approximately $175.00
Investing in this additonal $175.00 for 20 years would give you extra $11,215.00, 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.

SAFE-HARBOR 403(B) THRIFT PLAN FOR EMPLOYEES OF GOODWILL OF THE COASTAL EMPIRE, INC. Contribution & Match Policy

SAFE-HARBOR 403(B) THRIFT PLAN FOR EMPLOYEES OF GOODWILL OF THE COASTAL EMPIRE, INC. Plan Policies

SAFE-HARBOR 403(B) THRIFT PLAN FOR EMPLOYEES OF GOODWILL OF THE COASTAL EMPIRE, INC. Contribution, Match and Other Plan Policies

  • Contributions to the Plan are made voluntarily by participating employees who elect a salary reduction that is remitted to the Plan by the Organizations on behalf of the participants.
  • Elective participant contributions could not exceed $23,000 during the year ended December 31, 2024.
  • Additionally, catch-up deferrals of up to $7,500 were permitted for participants age 50 or older during 2024.
  • The Plan also provides for rollover contributions by participants from other qualifying plans.
  • Effective January 1, 2020, the Organizations make Safe-Harbor employer match contributions equal to 100% of employee contributions up to 3% of a participant’s compensation.
  • For employee contributions that exceed 3% but are not more than 5% of a participant’s compensation, the Organizations match 50% of employee contributions.
  • Participants are immediately vested in all employee contributions, employer contributions, and Plan earnings.

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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