WALSH GALLEGOS 401(K) PLAN Contribution & Employer Match

How WALSH GALLEGOS KYLE ROBINSON & ROALSON P.C. Supports Your Retirement Savings

WALSH GALLEGOS KYLE ROBINSON & ROALSON P.C. provides retirement savings benefits through WALSH GALLEGOS 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.

WALSH GALLEGOS 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for WALSH GALLEGOS 401(K) PLAN is $184,710.00

WALSH GALLEGOS 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for WALSH GALLEGOS 401(K) PLAN is $4,150.00. 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.
265,641.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,150.00 in WALSH GALLEGOS 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in WALSH GALLEGOS 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.

WALSH GALLEGOS 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, WALSH GALLEGOS 401(K) PLAN allocates $740,034.00 to match its employees’ contributions, providing an employer match rate of 80.86% of their contributions

WALSH GALLEGOS 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in WALSH GALLEGOS 401(K) PLAN is approximately $3,303.00
Investing in this additonal $3,303.00 for 20 years would give you extra $211,438.00, 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.

WALSH GALLEGOS 401(K) PLAN Contribution & Match Policy

WALSH GALLEGOS 401(K) PLAN Plan Policies

WALSH GALLEGOS 401(K) PLAN Contribution, Match and Other Plan Policies

  • Participants may elect to contribute up to 90% of annual compensation, as defined in the Plan, through payroll deductions, subject to the annual dollar limitation under Internal Revenue Code (IRC) Section 402(g).
  • Participants who are age 50 or older may also make catch-up contributions in accordance with IRC Section 414(v).
  • The Plan includes an automatic deferral provision.
  • Upon meeting eligibility requirements, employees are automatically enrolled at a deferral rate of 5% of compensation, unless they affirmatively opt out or elect a different rate.
  • The Plan is intended to satisfy the requirements of a safe harbor 401(k) plan under IRC Section 401(k)(12).
  • As such, the Sponsor makes nonelective safe harbor contributions equal to 3% of compensation to all eligible employees, regardless of whether the employee makes elective deferrals.
  • For the year ended December 31, 2024, the Sponsor made safe harbor contributions of $358,255.
  • The Sponsor may also make discretionary employer contributions, including matching and/or profit-sharing contributions, subject to the terms of the Plan.
  • For 2024, the Sponsor made profit-sharing contributions of $416,880 to eligible participants.
  • Matching contributions, if made, are determined at the discretion of the Sponsor, and may be allocated as a fixed dollar amount or a percentage of participant contributions.
  • Participants are vested immediately in their employee contributions, including catch-up and Roth contributions, rollovers and safe harbor contributions, plus actual earnings thereon.
  • Vesting in the discretionary employer match and profit-sharing contributions are based on each employee’s length of service.
  • A participant is 100% vested after six 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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