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THE MOSCOE GROUP, INC. 401(K) PLAN Contribution & Employer Match

THE MOSCOE GROUP, INC. 401(K) PLAN Contribution & Employer Match

THE MOSCOE GROUP, INC. provides the following retirement savings benefits to its employees:

THE MOSCOE GROUP, INC. 401(K) PLAN Average Participant Retirement Account Value

In 2023, the average participant retirement account value for THE MOSCOE GROUP, INC. 401(K) PLAN is $133,971.00

THE MOSCOE GROUP, INC. 401(K) PLAN Estimated Average Employee Contribution Amount

In 2023, the estimated average employee contribution amount per participant for THE MOSCOE GROUP, INC. 401(K) PLAN is $5,855.00. 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.
374,733.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 5,855.00 in THE MOSCOE GROUP, INC. 401(K) PLAN, assuming a 10%* annual return.

2023 & 2024 401(k) contribution limits by IRS

 Pretax and roth employee contributionsEmployee and employer contributions combinedCatch-up contributions (in addition to the employee and employer combined limit, age 50 and over)
401(k) contribution limit for 2023$22,500$66,000$7,500
401(k) contribution limit for 2024$23,000$69,000$7,500

$1,440,056: this is the amount you will have saved 20 years later if you contribute the maximum of $22,500 annually for 20 years, assuming a 10%* annual return.

$4,224,165: for those who can maximize employee and employer annual $66,000 contributions for 20 years, assuming a 10%* annual return, you will be 3 times richer!

Use the 401(k) Savings Calculator to determine how much your contributions will accumulate over time.

Employer match in THE MOSCOE GROUP, INC. 401(K) PLAN

An employer match is deemed as ‘free’ money wherein your employer contributes additional funds to your allocated retirement savings plan. The matching amount can frequently be several percentage points of your compensation. Don’t avoid this free salary ‘raise’.

THE MOSCOE GROUP, INC. 401(K) PLAN Total Employer Contribution and Match Rate

In 2023, THE MOSCOE GROUP, INC. 401(K) PLAN allocates $536,268.00 to match its employees' contributions, providing an employer match rate of 42.70% of their contributions

THE MOSCOE GROUP, INC. 401(K) PLAN Estimated Average Employer Match

In 2023, the estimated average employer match for an employee in THE MOSCOE GROUP, INC. 401(K) PLAN is approximately $2,415.00
Investing in this additonal $2,415.00 for 20 years would give you extra $154,599.00, assuming a 10% annual return.

THE MOSCOE GROUP, INC. 401(K) PLAN Contribution & Match Policy

1. Employee Contribution Rates: Employees can contribute up to 100% of eligible wages, subject to Internal Revenue Code limitations.

2. Employer Match/Contribution Conditions: The employer matches contributions equal to 3% of the participant’s eligible compensation. To be eligible for additional qualified non-elective contributions, a participant must complete 1,000 hours of service during the Plan year and be employed on the last day of the Plan year.

3. Vesting Schedule/Eligibility: The vesting schedule for employer contributions is as follows: participants are 100% vested in elective deferrals and employer safe harbor matching contributions at all times. To be eligible for additional qualified non-elective contributions, participants must be at least 18 years old and complete at least 1,000 hours of service annually; full vesting occurs after six years of service. A participant becomes fully vested upon death, disability, or reaching age 65.

4. Roth 401(k) Contribution: Yes, the plan allows for Roth deferral contributions.

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