VICKERS & NOLAN ENTERPRISES, LLC RETIREMENT PLAN Contribution & Employer Match
How VICKERS & NOLAN ENTERPRISES, LLC Supports Your Retirement Savings
VICKERS & NOLAN ENTERPRISES, LLC provides retirement savings benefits through VICKERS & NOLAN ENTERPRISES, LLC RETIREMENT 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.
VICKERS & NOLAN ENTERPRISES, LLC RETIREMENT PLAN Average Participant Retirement Account Value
VICKERS & NOLAN ENTERPRISES, LLC RETIREMENT PLAN Estimated Average Employee Contribution Amount
299,952.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,686.00 in VICKERS & NOLAN ENTERPRISES, LLC RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in VICKERS & NOLAN ENTERPRISES, LLC RETIREMENT 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.
VICKERS & NOLAN ENTERPRISES, LLC RETIREMENT PLAN Total Employer Contribution and Match Rate
VICKERS & NOLAN ENTERPRISES, LLC RETIREMENT PLAN Estimated Average Employer Match
Investing in this additonal $1,695.00 for 20 years would give you extra $108,538.00, 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.
VICKERS & NOLAN ENTERPRISES, LLC RETIREMENT PLAN Contribution & Match Policy
VICKERS & NOLAN ENTERPRISES, LLC RETIREMENT PLAN Contribution, Match and Other Plan Policies
- Each year participants may contribute up to the maximum amount allowed by law of annual eligible compensation, as defined in the Plan.
- Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
- The Plan provides for automatic enrollment and escalation features.
- Any newly eligible employee or existing employee who has not affirmatively elected to contribute to the Plan or has not affirmatively declined to participate in the Plan will be automatically enrolled in the Plan with a three percent withholding of pretax annual eligible compensation.
- This withholding shall be increased by one percent each subsequent year at the third year, provided that such percentage shall not be increased above six percent of compensation.
- The Company makes a qualified safe harbor matching contribution of 100 percent of the first three and a half percent that a participant contributes to the Plan.
- Participants are vested immediately in their contributions, the prior safe harbor matching contributions, plus actual earnings thereon. Vesting in the Company’s contribution qualified safe harbor matching contributions is based on years of continuous service of at least 1,000 hours per year. Participants are fully vested in the Company’s qualified safe harbor matching contributions on a cliff basis over two years. Effective January 1, 2020, vesting in the Company’s profit sharing monies transferred from VNE 401(k) Retirement Plan is as follows:
- Less than 1 years: 0%
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:
| 2024 | 2025 | |
|---|---|---|
| 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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