MOROCH HOLDINGS, INC. 401(K) SAVINGS PLAN Contribution & Employer Match

MOROCH HOLDINGS, INC. 401(K) SAVINGS PLAN Contribution & Employer Match

MOROCH HOLDINGS, INC. provides the following retirement savings benefits to its employees:

MOROCH HOLDINGS, INC. 401(K) SAVINGS PLAN Average Participant Retirement Account Value

In 2023, the average participant retirement account value for MOROCH HOLDINGS, INC. 401(K) SAVINGS PLAN is $68,905.00

MOROCH HOLDINGS, INC. 401(K) SAVINGS PLAN Estimated Average Employee Contribution Amount

In 2023, the estimated average employee contribution amount per participant for MOROCH HOLDINGS, INC. 401(K) SAVINGS PLAN is $5,812.00. 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.
372,024.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 5,812.00 in MOROCH HOLDINGS, INC. 401(K) SAVINGS 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 MOROCH HOLDINGS, INC. 401(K) SAVINGS 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’.

MOROCH HOLDINGS, INC. 401(K) SAVINGS PLAN Total Employer Contribution and Match Rate

In 2023, MOROCH HOLDINGS, INC. 401(K) SAVINGS PLAN allocates $497,963.00 to match its employees' contributions, providing an employer match rate of 21.83% of their contributions

MOROCH HOLDINGS, INC. 401(K) SAVINGS PLAN Estimated Average Employer Match

In 2023, the estimated average employer match for an employee in MOROCH HOLDINGS, INC. 401(K) SAVINGS PLAN is approximately $1,166.00
Investing in this additonal $1,166.00 for 20 years would give you extra $74,636.00, assuming a 10% annual return.

MOROCH HOLDINGS, INC. 401(K) SAVINGS PLAN Contribution & Match Policy

1. Employee Contribution Rates: Employees can contribute up to 90% of their salary.

2. Employer Match/Contribution Conditions: The employer matches contributions at a rate of 25% of employee contributions.

3. Vesting Schedule/Eligibility: The vesting schedule for employer contributions is 25% for each year of service starting after one year, becoming 100% vested after four years. Participants become 100% vested upon death, disability, or reaching normal retirement age. Eligibility requires completing one month of eligible service.

4. The plan allows Roth 401(k) contributions.

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