THE BMS ENTERPRISES 401(K) PLAN Contribution & Employer Match

How THE BMS ENTERPRISES, LLC Supports Your Retirement Savings

THE BMS ENTERPRISES, LLC provides retirement savings benefits through THE BMS ENTERPRISES 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.

THE BMS ENTERPRISES 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for THE BMS ENTERPRISES 401(K) PLAN is $21,624.00

THE BMS ENTERPRISES 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for THE BMS ENTERPRISES 401(K) PLAN is $1,700.00. 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.
108,856.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 1,700.00 in THE BMS ENTERPRISES 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in THE BMS ENTERPRISES 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.

THE BMS ENTERPRISES 401(K) PLAN Contribution & Match Policy

THE BMS ENTERPRISES 401(K) PLAN Plan Policies

THE BMS ENTERPRISES 401(K) PLAN Contribution, Match and Other Plan Policies

  • Eligible participants are permitted to elect to have a percentage, limited by Plan provisions, of their compensation contributed as pre-tax 401(k) or Roth deferrals to the Plan.
  • Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
  • The Company may, at its discretion, elect to make a matching contribution to the Plan.
  • There was no Company matching contribution for the year ended December 31, 2024.
  • Participants are immediately vested in their contributions plus actual earnings thereon.
  • Vesting in the Company matching and profit sharing contributions, if any, portion of their accounts, plus actual earnings thereon, is based on years of credited service.
  • A participant is 100% vested after six years of credited service.
  • Notwithstanding the above, a participant is fully vested upon reaching normal retirement age, death, or permanent disability.

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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