SHEPARD EXPOSITION SERVICES, INC. 401(K) PLAN Contribution & Employer Match
How SHEPARD EXPOSITION SERVICES, INC. Supports Your Retirement Savings
SHEPARD EXPOSITION SERVICES, INC. provides retirement savings benefits through SHEPARD EXPOSITION SERVICES, 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.
SHEPARD EXPOSITION SERVICES, INC. 401(K) PLAN Average Participant Retirement Account Value
SHEPARD EXPOSITION SERVICES, INC. 401(K) PLAN Estimated Average Employee Contribution Amount
306,475.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,788.00 in SHEPARD EXPOSITION SERVICES, INC. 401(K) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in SHEPARD EXPOSITION SERVICES, 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.
SHEPARD EXPOSITION SERVICES, INC. 401(K) PLAN Total Employer Contribution and Match Rate
SHEPARD EXPOSITION SERVICES, INC. 401(K) PLAN Estimated Average Employer Match
Investing in this additonal $1,538.00 for 20 years would give you extra $98,492.00, 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.
SHEPARD EXPOSITION SERVICES, INC. 401(K) PLAN Contribution & Match Policy
SHEPARD EXPOSITION SERVICES, INC. 401(K) PLAN Contribution, Match and Other Plan Policies
- Participants may elect to make pre-tax and/or Roth contributions up to 90% of eligible compensation, as defined in the Plan document, generally not to exceed a maximum of $23,000 in 2024, plus an additional $7,500 for eligible employees over age 50.
- Participants may also contribute amounts representing distributions from other qualified defined benefit or defined contribution plans (rollovers).
- Effective January 1, 2024, the Plan was amended to remove the automatic enrollment and auto-escalation features.
- The Plan provides for a safe harbor matching contribution of 100% of a participant’s contribution up to 3% and 50% of the next 2% of eligible compensation, as defined in the Plan document.
- Participants are vested immediately in all contributions plus actual earnings and losses thereon.
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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