SHPP U.S. EMPLOYEE RETIREMENT SAVINGS PLAN Contribution & Employer Match

How SHPP US LLC Supports Your Retirement Savings

SHPP US LLC provides retirement savings benefits through SHPP U.S. EMPLOYEE RETIREMENT SAVINGS 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.

SHPP U.S. EMPLOYEE RETIREMENT SAVINGS PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for SHPP U.S. EMPLOYEE RETIREMENT SAVINGS PLAN is $301,560.00

SHPP U.S. EMPLOYEE RETIREMENT SAVINGS PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for SHPP U.S. EMPLOYEE RETIREMENT SAVINGS PLAN is $28,776.00. 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.
1,841,709.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 28,776.00 in SHPP U.S. EMPLOYEE RETIREMENT SAVINGS PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in SHPP U.S. EMPLOYEE RETIREMENT SAVINGS 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.

SHPP U.S. EMPLOYEE RETIREMENT SAVINGS PLAN Total Employer Contribution and Match Rate

In 2024, SHPP U.S. EMPLOYEE RETIREMENT SAVINGS PLAN allocates $15,176,772.00 to match its employees’ contributions, providing an employer match rate of 110.22% of their contributions

SHPP U.S. EMPLOYEE RETIREMENT SAVINGS PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in SHPP U.S. EMPLOYEE RETIREMENT SAVINGS PLAN is approximately $15,858.00
Investing in this additonal $15,858.00 for 20 years would give you extra $1,014,956.00, 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.

SHPP U.S. EMPLOYEE RETIREMENT SAVINGS PLAN Contribution & Match Policy

SHPP U.S. EMPLOYEE RETIREMENT SAVINGS PLAN Plan Policies

SHPP U.S. EMPLOYEE RETIREMENT SAVINGS PLAN Contribution, Match and Other Plan Policies

  • Generally, the Plan provides for voluntary participant contributions on an after-tax savings, pre-tax savings, or Roth contribution basis up to a maximum 80% of a participant’s eligible compensation, up to the annual limit prescribed by the Internal Revenue Code of 1986 (Code).
  • All new-hires, re-hires and newly eligible participants are automatically enrolled at an 8% regular pre-tax contributing level after being eligible for 30 days to participate in the Plan and not making an affirmative enrollment election online.
  • For the 2024 plan year, participants age 50 or over may contribute an additional $7,500 over the base statutory limit in accordance with the Economic Growth and Tax Relief Reconciliation Act of 2001.
  • The Company Matching contribution equals 50% of the first 8% of an eligible participant’s eligible compensation contributed to the Plan.
  • An additional True-Up Matching contribution will be made for each participant who has not received the maximum Company Matching contribution they would have been entitled to but did not receive due to the rate at which they made their employee contributions throughout the Plan year.
  • Additionally, regardless of whether a participant makes any voluntary contributions of their own to the Plan, the Company will make an Employer Retirement contribution to the Plan equal to 5% of the participant’s eligible pay each pay period.
  • Participants are immediately vested in their contributions, Company Matching contributions, ESTCCA contributions and any earnings received.
  • The Employer Retirement contribution is subject to a three-year graded vesting schedule.

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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