SOUTHEASTERN ARCHAEOLOGICAL RESEARCH, INC. 401(K) PLAN Contribution & Employer Match
How SOUTHEASTERN ARCHAEOLOGICAL RESEARCH, INC. Supports Your Retirement Savings
SOUTHEASTERN ARCHAEOLOGICAL RESEARCH, INC. provides retirement savings benefits through SOUTHEASTERN ARCHAEOLOGICAL RESEARCH, 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.
SOUTHEASTERN ARCHAEOLOGICAL RESEARCH, INC. 401(K) PLAN Average Participant Retirement Account Value
SOUTHEASTERN ARCHAEOLOGICAL RESEARCH, INC. 401(K) PLAN Estimated Average Employee Contribution Amount
180,622.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,822.00 in SOUTHEASTERN ARCHAEOLOGICAL RESEARCH, INC. 401(K) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in SOUTHEASTERN ARCHAEOLOGICAL RESEARCH, 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.
SOUTHEASTERN ARCHAEOLOGICAL RESEARCH, INC. 401(K) PLAN Total Employer Contribution and Match Rate
SOUTHEASTERN ARCHAEOLOGICAL RESEARCH, INC. 401(K) PLAN Estimated Average Employer Match
Investing in this additonal $1,794.00 for 20 years would give you extra $114,832.00, 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.
SOUTHEASTERN ARCHAEOLOGICAL RESEARCH, INC. 401(K) PLAN Contribution & Match Policy
SOUTHEASTERN ARCHAEOLOGICAL RESEARCH, INC. 401(K) PLAN Contribution, Match and Other Plan Policies
- Each year, participants may contribute up to the maximum amount of annual compensation allowed by law, as defined in the Plan.
- Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
- For certain eligible employees the Plan takes advantage of certain rules that provide alternative methods to pass the nondiscrimination tests required of 401(k) plans.
- Pursuant to these rules, the Sponsor has elected to provide a safe harbor contribution equal to 100% of a participants’ salary deferrals that do not exceed 3% of their compensation.
- The Company made a Safe Harbor nonelective contribution of 3% of a participant’s eligible compensation totaling $358,369.
- The Company may also make discretionary matching contributions.
- At the Company’s discretion, matching contributions may be made on behalf of each participant equal to a percentage of the elective deferrals made by the participant.
- Additionally, the Company may make a discretionary nonelective contribution.
- For 2024, the Company made discretionary matching contributions of 50% up to 4% of compensation of the amount that a participant contributed to the Plan totaling $168,793.
- In addition, the Company made profit sharing contributions totaling $120,116.
- Participants are immediately vested in their contributions and the Company Safe Harbor nonelective contribution plus actual earnings thereon.
- Vesting in the Company’s remaining contribution portion of their accounts is based on years of continuous service.
- A participant becomes 20% vested after two years of service and increases ratably until fully vested after six years.
- Participants are vested immediately in their elective deferrals, including catch-up and after-tax contributions, qualified nonelective contributions, and rollover contributions, plus actual earnings or losses thereon.
- Matching and profit sharing contributions and earnings are 100% vested after six years of service following a graded scale.
- Participants become fully vested in all accounts in the event of death, disability, or attainment of normal retirement age while actively employed.
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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