STEPHENS EMPLOYEES’ 401(K) PROFIT SHARING PLAN AND TRUST Contribution & Employer Match

How STEPHENS SHARED SERVICES LLC Supports Your Retirement Savings

STEPHENS SHARED SERVICES LLC provides retirement savings benefits through STEPHENS EMPLOYEES’ 401(K) PROFIT SHARING PLAN AND TRUST. 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.

STEPHENS EMPLOYEES’ 401(K) PROFIT SHARING PLAN AND TRUST Average Participant Retirement Account Value

In 2024, the average participant retirement account value for STEPHENS EMPLOYEES’ 401(K) PROFIT SHARING PLAN AND TRUST is $225,412.00

STEPHENS EMPLOYEES’ 401(K) PROFIT SHARING PLAN AND TRUST Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for STEPHENS EMPLOYEES’ 401(K) PROFIT SHARING PLAN AND TRUST is $8,806.00. 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.
563,607.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 8,806.00 in STEPHENS EMPLOYEES’ 401(K) PROFIT SHARING PLAN AND TRUST, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in STEPHENS EMPLOYEES’ 401(K) PROFIT SHARING PLAN AND TRUST

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.

STEPHENS EMPLOYEES’ 401(K) PROFIT SHARING PLAN AND TRUST Total Employer Contribution and Match Rate

In 2024, STEPHENS EMPLOYEES’ 401(K) PROFIT SHARING PLAN AND TRUST allocates $4,182,753.00 to match its employees’ contributions, providing an employer match rate of 26.06% of their contributions

STEPHENS EMPLOYEES’ 401(K) PROFIT SHARING PLAN AND TRUST Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in STEPHENS EMPLOYEES’ 401(K) PROFIT SHARING PLAN AND TRUST is approximately $2,303.00
Investing in this additonal $2,303.00 for 20 years would give you extra $147,409.00, 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.

STEPHENS EMPLOYEES’ 401(K) PROFIT SHARING PLAN AND TRUST Contribution & Match Policy

STEPHENS EMPLOYEES’ 401(K) PROFIT SHARING PLAN AND TRUST Plan Policies

STEPHENS EMPLOYEES’ 401(K) PROFIT SHARING PLAN AND TRUST Contribution, Match and Other Plan Policies

  • Each year, participants may contribute up to 30% of pretax annual compensation, as defined in the plan document, up to the maximum limits of the Internal Revenue Code (IRC).
  • Participants also may designate all or a portion of their deferral contributions as after-tax contributions into a Roth account.
  • Participants who have attained age 50 before the end of the plan year are eligible to make catch-up contributions.
  • The Plan includes an automatic enrollment provision whereby all newly eligible employees are automatically enrolled in the Plan unless they affirmatively elect not to participate in the Plan.
  • Automatically enrolled participants have their deferral rate set at 3% of eligible compensation and their contributions invested in a designated balanced fund until changed by the participant.
  • For the year ended December 31, 2024, the Company approved a 2.5% discretionary match (the allocation percentage).
  • Participants receive 100% of the allocation percentage on the first $100,000 of plan compensation, not to exceed the participant’s annual employee contributions.
  • Participants with plan compensation above $100,000 receive 75% of the allocation percentage on plan compensation between $100,001 and $345,000, not to exceed the participant’s employee contributions calculated on such earnings.
  • There is no allocation on compensation above $345,000.
  • Participants are vested immediately in their contributions plus actual earnings thereon.
  • Vesting in the Company’s contribution portion of their accounts is based on years of continuous service.
  • Participants are 20% vested with respect to employer contributions after two years of service, 40% vested after three years of service, 60% vested after four years of service and fully vested after five years of service.
  • Participants also become fully vested after attainment of age 65, permanent disability or death.

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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