WOOD RESIDENTIAL SERVICES, LLC RETIREMENT SAVINGS PLAN Contribution & Employer Match
How WOOD RESIDENTIAL SERVICES, LLC Supports Your Retirement Savings
WOOD RESIDENTIAL SERVICES, LLC provides retirement savings benefits through WOOD RESIDENTIAL SERVICES, LLC RETIREMENT SAVINGS 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.
WOOD RESIDENTIAL SERVICES, LLC RETIREMENT SAVINGS PLAN Estimated Average Employee Contribution Amount
63,322.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 989.00 in WOOD RESIDENTIAL SERVICES, LLC RETIREMENT SAVINGS PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in WOOD RESIDENTIAL SERVICES, LLC RETIREMENT SAVINGS 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.
WOOD RESIDENTIAL SERVICES, LLC RETIREMENT SAVINGS PLAN Total Employer Contribution and Match Rate
WOOD RESIDENTIAL SERVICES, LLC RETIREMENT SAVINGS PLAN Estimated Average Employer Match
Investing in this additonal $582.00 for 20 years would give you extra $37,306.00, 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.
WOOD RESIDENTIAL SERVICES, LLC RETIREMENT SAVINGS PLAN Contribution & Match Policy
WOOD RESIDENTIAL SERVICES, LLC RETIREMENT SAVINGS PLAN Contribution, Match and Other Plan Policies
- Prior to April 12, 2024, participants could have contributed up to 98% of annual compensation on a pretax and Roth basis, as defined in the Plan agreement.
- Participants who had attained age 50 before the end of the Plan year were eligible to make catch-up contributions.
- The Plan included an auto-enrollment provision whereby all newly eligible employees were automatically enrolled in the Plan, unless they affirmatively elected not to participate, with a default deferral rate set at 3% of eligible compensation.
- The deferral rate for auto-enrolled participants increased 1% each year up to a maximum of 5% unless the participants elected a different deferral percentage.
- The Company matched 100% of the participant’s first 3% of contributions and 50% of the next 2%.
- Participants were immediately vested in their voluntary contributions plus actual earnings thereon.
- Vesting in the Company’s safe harbor matching contributions was immediate.
- Vesting in the Company’s discretionary profit sharing contributions was based on years of service as follows: Years of Service Percentage 1 0% 2 20% 3 40% 4 60% 5 80% 6 100%
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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