SGH PROFIT SHARING & 401(K) PLAN AND TRUST Contribution & Employer Match

How SIMPSON GUMPERTZ & HEGER INC. Supports Your Retirement Savings

SIMPSON GUMPERTZ & HEGER INC. provides retirement savings benefits through SGH PROFIT SHARING & 401(K) PLAN AND TRUST. 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.

SGH PROFIT SHARING & 401(K) PLAN AND TRUST Average Participant Retirement Account Value

In 2024, the average participant retirement account value for SGH PROFIT SHARING & 401(K) PLAN AND TRUST is $441,969.00

SGH PROFIT SHARING & 401(K) PLAN AND TRUST Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for SGH PROFIT SHARING & 401(K) PLAN AND TRUST is $7,432.00. 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.
475,695.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 7,432.00 in SGH PROFIT SHARING & 401(K) PLAN AND TRUST, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in SGH PROFIT SHARING & 401(K) PLAN AND TRUST

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.

SGH PROFIT SHARING & 401(K) PLAN AND TRUST Total Employer Contribution and Match Rate

In 2024, SGH PROFIT SHARING & 401(K) PLAN AND TRUST allocates $15,492,019.00 to match its employees’ contributions, providing an employer match rate of 212.36% of their contributions

SGH PROFIT SHARING & 401(K) PLAN AND TRUST Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in SGH PROFIT SHARING & 401(K) PLAN AND TRUST is approximately $14,754.00
Investing in this additonal $14,754.00 for 20 years would give you extra $944,275.00, 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.

SGH PROFIT SHARING & 401(K) PLAN AND TRUST Contribution & Match Policy

SGH PROFIT SHARING & 401(K) PLAN AND TRUST Plan Policies

SGH PROFIT SHARING & 401(K) PLAN AND TRUST Contribution, Match and Other Plan Policies

  • Participants may contribute up to 75% of their pre-tax eligible compensation, as defined in the plan document, and/or make Roth 401(k) deferrals to the Plan, without exceeding limitations prescribed by law.
  • Additionally, participants age 50 or older, who are making contributions to the Plan, are allowed to make catch-up contributions, as defined in the plan document.
  • In accordance with the provisions of the plan document, the Company is required to make safe harbor contributions to the Plan in the amount of 100% of the first 3% of each participant’s eligible compensation, as defined in the plan document.
  • The Company may also make discretionary profit-sharing contributions to the Plan.
  • Additionally, the Company may make discretionary matching contributions to the Plan on behalf of eligible participants.
  • The Company did not make any discretionary matching contributions to the Plan for the years ended December 31, 2024 and 2023.
  • Participants are immediately vested in their own contributions, the Company’s safe harbor contributions, and the Company’s discretionary matching contributions plus actual earnings thereon.
  • Participants are also immediately vested upon death, disability, or upon reaching normal retirement age, all as defined in the plan document.
  • Vesting in the Company’s discretionary profit sharing contributions, plus actual earnings thereon, is subject to the following vesting schedule: Years of Service Vested % 1 0% 2 20% 3 40% 4 60% 5 80% 6 100%

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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