SMITH & BURGESS 401(K) PLAN Contribution & Employer Match

How SMITH & BURGESS, LLC Supports Your Retirement Savings

SMITH & BURGESS, LLC provides retirement savings benefits through SMITH & BURGESS 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.

SMITH & BURGESS 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for SMITH & BURGESS 401(K) PLAN is $85,864.00

SMITH & BURGESS 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for SMITH & BURGESS 401(K) PLAN is $4,900.00. 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.
313,653.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,900.00 in SMITH & BURGESS 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in SMITH & BURGESS 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.

SMITH & BURGESS 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, SMITH & BURGESS 401(K) PLAN allocates $350,886.00 to match its employees’ contributions, providing an employer match rate of 51.51% of their contributions

SMITH & BURGESS 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in SMITH & BURGESS 401(K) PLAN is approximately $2,453.00
Investing in this additonal $2,453.00 for 20 years would give you extra $157,039.00, 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.

SMITH & BURGESS 401(K) PLAN Contribution & Match Policy

SMITH & BURGESS 401(K) PLAN Plan Policies

SMITH & BURGESS 401(K) PLAN Contribution, Match and Other Plan Policies

  • Participants are able to contribute a portion of their eligible compensation into the Plan as a pre-tax deferral and/or a Roth deferral.
  • Participants may elect to contribute between 1% and 90% of their eligible compensation into the Plan, not to exceed a dollar limit set by law.
  • Participants who turn age 50 before the end of the taxable year may also make catch-up contributions.
  • The Plan also has an automatic enrollment feature.
  • If a new or existing employee does not make a deferral election, the Company will automatically contribute 1% of their compensation from each payroll into the Plan.
  • These deferrals will be treated as pre-tax deferrals.
  • The automatic enrollment deferral amount for both new and existing employees will be increased each year by 1% from each payroll up to a maximum rate of 5%.
  • The Company shall contribute for each Plan year a Company required contribution in an amount equal to 100% of each participant’s salary deferrals up to 3% of compensation, plus 50% of the participant’s salary deferrals between 3% and 5% of the participant’s compensation.
  • This contribution will be fully vested at all times and cannot be forfeited, even if a participant terminates employment.
  • Participants are always 100% vested in their deferral contributions, including catch-up contributions, rollover contributions, and safe harbor contributions, plus any earnings thereon.
  • Profit sharing contributions are subject to a vesting schedule and could be forfeited if a participant terminates employment.
  • Participants will become 100% vested in their profit-sharing contributions after 6 years of vested 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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