TOWER RESEARCH CAPITAL GROUP 401(K) PLAN Contribution & Employer Match

How TOWER RESEARCH CAPITAL, LLC Supports Your Retirement Savings

TOWER RESEARCH CAPITAL, LLC provides retirement savings benefits through TOWER RESEARCH CAPITAL GROUP 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.

TOWER RESEARCH CAPITAL GROUP 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for TOWER RESEARCH CAPITAL GROUP 401(K) PLAN is $203,927.00

TOWER RESEARCH CAPITAL GROUP 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for TOWER RESEARCH CAPITAL GROUP 401(K) PLAN is $16,020.00. 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.
1,025,326.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 16,020.00 in TOWER RESEARCH CAPITAL GROUP 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in TOWER RESEARCH CAPITAL GROUP 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.

TOWER RESEARCH CAPITAL GROUP 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, TOWER RESEARCH CAPITAL GROUP 401(K) PLAN allocates $3,288,423.00 to match its employees’ contributions, providing an employer match rate of 27.15% of their contributions

TOWER RESEARCH CAPITAL GROUP 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in TOWER RESEARCH CAPITAL GROUP 401(K) PLAN is approximately $4,005.00
Investing in this additonal $4,005.00 for 20 years would give you extra $256,344.00, 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.

TOWER RESEARCH CAPITAL GROUP 401(K) PLAN Contribution & Match Policy

TOWER RESEARCH CAPITAL GROUP 401(K) PLAN Plan Policies

TOWER RESEARCH CAPITAL GROUP 401(K) PLAN Contribution, Match and Other Plan Policies

  • During 2024 and 2023, the employee may make contributions of up to $23,500 and $22,500 of base compensation, respectively, and the Employer may make discretionary matching contributions up to 3% of compensation for qualified participants, up to $10,350 and $9,900, respectively, but not exceeding the employee’s contribution to the Plan.
  • Participants who are 50 years of age or older are permitted to contribute an additional $7,500 in 2024 and 2023, respectively.
  • The Employer may make discretionary matching contributions up to 3% of compensation for qualified participants, up to $10,350 and $9,900, respectively, but not exceeding the employee’s contribution to the Plan.
  • The Employer’s contributions are 50% vested after one year of service and 100% vested after two years of service.
  • Employees’ contributions are always 100% vested.
  • Employees who terminate on or after the normal retirement age, upon death, or upon total and permanent disability will be 100% vested.

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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