WICKER SMITH 401(K) PLAN II Contribution & Employer Match

How WICKER, SMITH, OHARA, MCCOY & FORD, P.A. Supports Your Retirement Savings

WICKER, SMITH, OHARA, MCCOY & FORD, P.A. provides retirement savings benefits through WICKER SMITH 401(K) PLAN II. 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.

WICKER SMITH 401(K) PLAN II Average Participant Retirement Account Value

In 2024, the average participant retirement account value for WICKER SMITH 401(K) PLAN II is $212,962.00

WICKER SMITH 401(K) PLAN II Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for WICKER SMITH 401(K) PLAN II is $5,698.00. 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.
364,695.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 5,698.00 in WICKER SMITH 401(K) PLAN II, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in WICKER SMITH 401(K) PLAN II

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.

WICKER SMITH 401(K) PLAN II Total Employer Contribution and Match Rate

In 2024, WICKER SMITH 401(K) PLAN II allocates $1,575,100.00 to match its employees’ contributions, providing an employer match rate of 85.84% of their contributions

WICKER SMITH 401(K) PLAN II Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in WICKER SMITH 401(K) PLAN II is approximately $4,424.00
Investing in this additonal $4,424.00 for 20 years would give you extra $283,164.00, 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.

WICKER SMITH 401(K) PLAN II Contribution & Match Policy

1. Employee Contribution Rates: Employees can contribute up to 100% of their eligible annual compensation, subject to the maximum deferral amount allowed by the Internal Revenue Code (IRC).

2. Employer Match/Contribution Conditions: The employer provides a 3% contribution match to participants and may make discretionary matching contributions, discretionary qualified non-elective contributions (QNEC), and discretionary qualified matching contributions (QMAC).

3. Vesting Schedule/Eligibility: Participants are immediately vested in their individual contributions and safe harbor Employer contributions. For discretionary Employer contributions, vesting is as follows:

4. – Less than 2 years: 0%

5. – 2 years: 20%

6. – 3 years: 40%

7. – 4 years: 60%

8. – 5 years: 80%

9. – 6 years: 100%

10. Eligibility requires completion of one year of service and attainment of age twenty-one.

11. Roth 401(k) Contribution: The plan permits contributions on a post-tax basis.

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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