SCHILDBERG CONSTRUCTION COMPANY, INC. EMPLOYEES’ PROFIT SHARING RETIREMENT Contribution & Employer Match
How SCHILDBERG CONSTRUCTION COMPANY, INC. Supports Your Retirement Savings
SCHILDBERG CONSTRUCTION COMPANY, INC. provides retirement savings benefits through SCHILDBERG CONSTRUCTION COMPANY, INC. EMPLOYEES’ PROFIT SHARING RETIREMENT. 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.
SCHILDBERG CONSTRUCTION COMPANY, INC. EMPLOYEES’ PROFIT SHARING RETIREMENT Average Participant Retirement Account Value
SCHILDBERG CONSTRUCTION COMPANY, INC. EMPLOYEES’ PROFIT SHARING RETIREMENT Estimated Average Employee Contribution Amount
193,919.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,029.00 in SCHILDBERG CONSTRUCTION COMPANY, INC. EMPLOYEES’ PROFIT SHARING RETIREMENT, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in SCHILDBERG CONSTRUCTION COMPANY, INC. EMPLOYEES’ PROFIT SHARING RETIREMENT
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.
SCHILDBERG CONSTRUCTION COMPANY, INC. EMPLOYEES’ PROFIT SHARING RETIREMENT Total Employer Contribution and Match Rate
SCHILDBERG CONSTRUCTION COMPANY, INC. EMPLOYEES’ PROFIT SHARING RETIREMENT Estimated Average Employer Match
Investing in this additonal $5,092.00 for 20 years would give you extra $325,905.00, 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.
SCHILDBERG CONSTRUCTION COMPANY, INC. EMPLOYEES’ PROFIT SHARING RETIREMENT Contribution & Match Policy
1. Employee Contribution Rates: Participants may elect to contribute a percentage of their compensation up to the maximum permissible under the Internal Revenue Code (IRC).
2. Employer Match/Contribution Conditions: The Company contributes a nondiscretionary safe harbor matching contribution equal to 100% of the employee’s contributions, up to 4% of the employee’s eligible compensation. The Company may also make discretionary contributions as determined by the Company’s board of directors.
3. Vesting Schedule/Eligibility: Participants are immediately 100% vested in their contributions. For employer matching contributions, a participant is 50% vested after one year and 100% vested after two years. Vesting in employer discretionary contributions is based on years of service, with 0% vested after less than 2 years, escalating to 100% after 6 or more years of service. Eligibility for employer contributions: employees must complete 30 days of service for matching and one year of service for discretionary contributions.
4. Allows Roth 401(k) contribution: Yes.
SCHILDBERG CONSTRUCTION COMPANY, INC. EMPLOYEES' PROFIT SHARING RETIREMENT Maximum Match Calculator
This calculator helps to decide what’s the minimum contribution you have to maximize your employer match.
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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