STARBRIDGE SERVICES, INC. 403(B) PLAN Contribution & Employer Match
How STARBRIDGE SERVICES, INC. Supports Your Retirement Savings
STARBRIDGE SERVICES, INC. provides retirement savings benefits through STARBRIDGE SERVICES, INC. 403(B) 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.
STARBRIDGE SERVICES, INC. 403(B) PLAN Average Participant Retirement Account Value
STARBRIDGE SERVICES, INC. 403(B) PLAN Estimated Average Employee Contribution Amount
46,728.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 730.00 in STARBRIDGE SERVICES, INC. 403(B) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in STARBRIDGE SERVICES, INC. 403(B) 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.
STARBRIDGE SERVICES, INC. 403(B) PLAN Total Employer Contribution and Match Rate
STARBRIDGE SERVICES, INC. 403(B) PLAN Estimated Average Employer Match
Investing in this additonal $239.00 for 20 years would give you extra $15,296.00, 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.
STARBRIDGE SERVICES, INC. 403(B) PLAN Contribution & Match Policy
STARBRIDGE SERVICES, INC. 403(B) PLAN Contribution, Match and Other Plan Policies
- Each year participants may make voluntary pre-tax and/or roth contributions in the form of salary reductions at a maximum contribution of the lesser of 100% of the participant’s total compensation for the plan year or the maximum amount permitted by Section 415(d) of the Internal Revenue Code (IRC).
- Participants, who attain the age of 50 before the end of the Plan year, are eligible to make catch-up contributions, subject to certain limitations of the Plan and the IRC.
- The Company provides fixed matching contributions equal to 100% of participants’ salary deferrals, up to 4% of a participant’s compensation.
- The Company may also make an additional discretionary matching contribution to the Plan for those employees meeting eligibility requirements.
- For the years ended December 31, 2024 and 2023, the Company’s Board of Directors approved a discretionary match of up to an additional 2%.
- Vesting schedule: 1 year: 20% 2 years: 40% 3 years: 60% 4 years: 80% 5 years: 100% 6 years: 100% (fully vested after completing six years of credited 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:
| 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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