ANNALY CAPITAL MANAGEMENT, INC. 401(K) PLAN Contribution & Employer Match

ANNALY CAPITAL MANAGEMENT, INC. 401(K) PLAN Contribution & Employer Match

ANNALY CAPITAL MANAGEMENT, INC. provides the following retirement savings benefits to its employees:

ANNALY CAPITAL MANAGEMENT, INC. 401(K) PLAN Average Participant Retirement Account Value

In 2023, the average participant retirement account value for ANNALY CAPITAL MANAGEMENT, INC. 401(K) PLAN is $303,986.00

ANNALY CAPITAL MANAGEMENT, INC. 401(K) PLAN Estimated Average Employee Contribution Amount

In 2023, the estimated average employee contribution amount per participant for ANNALY CAPITAL MANAGEMENT, INC. 401(K) PLAN is $22,705.00. 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.
1,453,156.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 22,705.00 in ANNALY CAPITAL MANAGEMENT, INC. 401(K) PLAN, assuming a 10%* annual return.

2023 & 2024 401(k) contribution limits by IRS

 Pretax and roth employee contributionsEmployee and employer contributions combinedCatch-up contributions (in addition to the employee and employer combined limit, age 50 and over)
401(k) contribution limit for 2023$22,500$66,000$7,500
401(k) contribution limit for 2024$23,000$69,000$7,500

$1,440,056: this is the amount you will have saved 20 years later if you contribute the maximum of $22,500 annually for 20 years, assuming a 10%* annual return.

$4,224,165: for those who can maximize employee and employer annual $66,000 contributions for 20 years, assuming a 10%* annual return, you will be 3 times richer!

Use the 401(k) Savings Calculator to determine how much your contributions will accumulate over time.

Employer match in ANNALY CAPITAL MANAGEMENT, INC. 401(K) PLAN

An employer match is deemed as ‘free’ money wherein your employer contributes additional funds to your allocated retirement savings plan. The matching amount can frequently be several percentage points of your compensation. Don’t avoid this free salary ‘raise’.

ANNALY CAPITAL MANAGEMENT, INC. 401(K) PLAN Total Employer Contribution and Match Rate

In 2023, ANNALY CAPITAL MANAGEMENT, INC. 401(K) PLAN allocates $1,291,623.00 to match its employees' contributions, providing an employer match rate of 33.36% of their contributions

ANNALY CAPITAL MANAGEMENT, INC. 401(K) PLAN Estimated Average Employer Match

In 2023, the estimated average employer match for an employee in ANNALY CAPITAL MANAGEMENT, INC. 401(K) PLAN is approximately $8,022.00
Investing in this additonal $8,022.00 for 20 years would give you extra $513,440.00, assuming a 10% annual return.

ANNALY CAPITAL MANAGEMENT, INC. 401(K) PLAN Contribution & Match Policy

1. Employee Contribution Rates: Eligible employees can make pre-tax and Roth contributions not to exceed the maximum amount allowable under the Internal Revenue Code in any calendar year.

2. Employer Match/Contribution Conditions: The employer will match 100% of a participant's elective salary deferrals up to 3% of their compensation, plus 50% of the participant's elective deferrals that exceed 3% of their compensation, not to exceed 5%.

3. Vesting Schedule/Eligibility: Participants are immediately vested in their contributions, rollover contributions, employer contributions, plus actual earnings thereon. An employee is eligible to enter the Plan upon attaining age 21, without any service requirement, with the exclusion of part-time and temporary employees.

4. Roth 401(k) Contribution: Yes, the plan allows Roth contributions.

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