SANDLER RETIREMENT PLAN Contribution & Employer Match
How L. M. SANDLER & SONS, INC. Supports Your Retirement Savings
L. M. SANDLER & SONS, INC. provides retirement savings benefits through SANDLER RETIREMENT 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.
SANDLER RETIREMENT PLAN Average Participant Retirement Account Value
SANDLER RETIREMENT PLAN Estimated Average Employee Contribution Amount
260,809.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,075.00 in SANDLER RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in SANDLER RETIREMENT 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.
SANDLER RETIREMENT PLAN Total Employer Contribution and Match Rate
SANDLER RETIREMENT PLAN Estimated Average Employer Match
Investing in this additonal $544.00 for 20 years would give you extra $34,847.00, 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.
SANDLER RETIREMENT PLAN Contribution & Match Policy
SANDLER RETIREMENT PLAN Contribution, Match and Other Plan Policies
- Each year, participants may contribute up to the maximum allowed by law of annual pretax compensation, as defined in the Plan, up to $23,000 and $22,500 for 2024 and 2023, respectively.
- Participants who attain age 50 prior to the end of the Plan year may contribute an additional $7,500 for both 2024 and 2023.
- The Plan also contains an automatic enrollment feature.
- Newly eligible employees are automatically enrolled in the Plan and are defaulted to contribute 6 percent of their eligible compensation, unless the participant specifically elects another contribution rate or not to participate.
- Each year after the first year of participation, a participant’s deferral rate is increased by 1 percent until the rate of 10 percent is reached, unless the participant specifically elects otherwise.
- The maximum amount increased to 15 percent effective November 1, 2024.
- Employer matching contributions to the Plan are discretionary and are limited by a percentage selected by the Company yearly.
- Participants are vested immediately in their contributions plus actual earnings thereon.
- Vesting in the Company’s discretionary contribution portion of their accounts plus actual earnings thereon is based on years of continuous service for the Company.
- A participant is 100 percent vested after six years of credited service.
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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