VERMONT GAS SYSTEMS, INC. 401(K) PLAN Contribution & Employer Match

How VERMONT GAS SYSTEMS, INC. Supports Your Retirement Savings

VERMONT GAS SYSTEMS, INC. provides retirement savings benefits through VERMONT GAS SYSTEMS, 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.

VERMONT GAS SYSTEMS, INC. 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for VERMONT GAS SYSTEMS, INC. 401(K) PLAN is $188,464.00

VERMONT GAS SYSTEMS, INC. 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for VERMONT GAS SYSTEMS, INC. 401(K) PLAN is $8,315.00. 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.
532,197.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 8,315.00 in VERMONT GAS SYSTEMS, INC. 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in VERMONT GAS SYSTEMS, 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.

VERMONT GAS SYSTEMS, INC. 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, VERMONT GAS SYSTEMS, INC. 401(K) PLAN allocates $1,025,756.00 to match its employees’ contributions, providing an employer match rate of 64.08% of their contributions

VERMONT GAS SYSTEMS, INC. 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in VERMONT GAS SYSTEMS, INC. 401(K) PLAN is approximately $5,206.00
Investing in this additonal $5,206.00 for 20 years would give you extra $333,240.00, 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.

VERMONT GAS SYSTEMS, INC. 401(K) PLAN Contribution & Match Policy

VERMONT GAS SYSTEMS, INC. 401(K) PLAN Plan Policies

VERMONT GAS SYSTEMS, INC. 401(K) PLAN Contribution, Match and Other Plan Policies

  • Participants may elect to contribute up to 85% of pretax annual compensation to the Plan, subject to Internal Revenue Service ("IRS") limitations.
  • The Plan includes an auto-enrollment provision whereby all newly eligible employees are automatically enrolled in the Plan, unless they affirmatively elect not to participate, with a default deferral rate set at 5% of eligible compensation.
  • Participants may also contribute amounts representing distributions from other qualified defined benefit or defined contribution plans as rollover contributions.
  • During 2024 and 2023, the Company made a matching contribution in the amount of 60% of the first 5% of base compensation that a participant contributes to the Plan.
  • The Plan also provides for fixed employer contributions on behalf of all eligible participants.
  • During 2024 and 2023, this fixed employer contribution was equal to 4.5% of base pay.
  • Participants are immediately vested with respect to their contributions plus earnings thereon.
  • Vesting in the Company’s matching and fixed contribution portion of their accounts plus earnings thereon is based on years of continuous service.
  • Participants vest 20% per year of credited service and are 100% vested after five years of credited service.

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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