TED STEVENS, INC. 401(K) PLAN Contribution & Employer Match

How TED STEVENS, INC. Supports Your Retirement Savings

TED STEVENS, INC. provides retirement savings benefits through TED STEVENS, 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.

TED STEVENS, INC. 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for TED STEVENS, INC. 401(K) PLAN is $41,680.00

TED STEVENS, INC. 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for TED STEVENS, INC. 401(K) PLAN is $2,968.00. 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.
189,991.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,968.00 in TED STEVENS, INC. 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in TED STEVENS, 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.

* 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.

TED STEVENS, INC. 401(K) PLAN Contribution & Match Policy

TED STEVENS, INC. 401(K) PLAN Plan Policies

TED STEVENS, INC. 401(K) PLAN Contribution, Match and Other Plan Policies

  • Participants may voluntarily contribute up to a maximum of 90% of compensation limited to $23,000 for the year ended December 31, 2024.
  • Participants may elect to designate all or any portion of their elective deferrals as post-tax (Roth) election deferrals.
  • The Plan provides for automatic enrollment of all new eligible participants at a 3% pre-tax elective deferral rate.
  • The eligible participants may affirmatively elect to opt out of the automatic enrollment or elect a different deferral rate.
  • Participants who have attained at least 50 years of age by the end of the calendar year and who are making contributions to the Plan may also make a catch-up contributions of up to $7,500 in 2024.
  • No matching contributions have been made for the years ended December 31, 2024 and 2023.
  • Participants are immediately 100% vested in their voluntary contributions, rollovers, and actual earnings thereon. Vesting in the Company’s discretionary matching contributions and related earnings thereon is based on years of continuous service. To earn a year of service for vesting purposes, a participant must be credited with at least 1,000 hours of service during the Plan year. A participant’s vesting is in accordance with the following schedule: Years of Service Vesting
  • Less than 2 years: 0%
  • 6+ years: 100%

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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