SHELTERED WINGS, INC. 401(K) PLAN Contribution & Employer Match

How SHELTERED WINGS, INC. Supports Your Retirement Savings

SHELTERED WINGS, INC. provides retirement savings benefits through SHELTERED WINGS, 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.

SHELTERED WINGS, INC. 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for SHELTERED WINGS, INC. 401(K) PLAN is $56,296.00

SHELTERED WINGS, INC. 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for SHELTERED WINGS, INC. 401(K) PLAN is $5,643.00. 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.
361,153.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 5,643.00 in SHELTERED WINGS, INC. 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in SHELTERED WINGS, 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.

SHELTERED WINGS, INC. 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, SHELTERED WINGS, INC. 401(K) PLAN allocates $752,666.00 to match its employees’ contributions, providing an employer match rate of 33.43% of their contributions

SHELTERED WINGS, INC. 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in SHELTERED WINGS, INC. 401(K) PLAN is approximately $1,622.00
Investing in this additonal $1,622.00 for 20 years would give you extra $103,816.00, 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.

SHELTERED WINGS, INC. 401(K) PLAN Contribution & Match Policy

SHELTERED WINGS, INC. 401(K) PLAN Plan Policies

SHELTERED WINGS, INC. 401(K) PLAN Contribution, Match and Other Plan Policies

  • The Plan permits participants employees through a salary deferral election to make contributions to the plan of up to 100 percent of eligible compensation.
  • Employee rollover and employee Roth contributions are also permitted.
  • Contributions are subject to certain maximum limit Internal Revenue Code (IRC) allowable amounts.
  • In addition, participants age 50 or over can make catch-up contributions.
  • For the years ended December 31, 2024 and 2023, the Employer matched 50% of the first 6% of base compensation that a participant contributed to the Plan and no profit sharing contributions were made.
  • Participants are immediately fully vested in their elective deferral contributions and rollover contributions plus actual earnings thereon.
  • Participants’ employer matching contributions and discretionary profit-sharing contributions account balances become fully vested and nonforfeitable upon retirement, disability, or death.
  • A participant who terminates, for any reason other than the aforementioned, but has completed two or more years of service shall have a nonforfeitable right to a percentage of the accrued benefit at a rate of 20% per year beginning with the second year of service.
  • Participants become fully vested after six years of 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:

 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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