THE GOLDER ASSOCIATES INC. 401(K) RETIREMENT PLAN Contribution & Employer Match

THE GOLDER ASSOCIATES INC. 401(K) RETIREMENT PLAN Contribution & Employer Match

GOLDER ASSOCIATES USA INC. provides the following retirement savings benefits to its employees:

THE GOLDER ASSOCIATES INC. 401(K) RETIREMENT PLAN Estimated Average Employee Contribution Amount

In 2021, the estimated average employee contribution amount per participant for THE GOLDER ASSOCIATES INC. 401(K) RETIREMENT PLAN is $6,589.00. 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.
421,730.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 6,589.00 in THE GOLDER ASSOCIATES INC. 401(K) RETIREMENT 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 THE GOLDER ASSOCIATES INC. 401(K) RETIREMENT 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’.

THE GOLDER ASSOCIATES INC. 401(K) RETIREMENT PLAN Total Employer Contribution and Match Rate

In 2021, THE GOLDER ASSOCIATES INC. 401(K) RETIREMENT PLAN allocates $4,829,028.00 to match its employees' contributions, providing an employer match rate of 41.01% of their contributions

THE GOLDER ASSOCIATES INC. 401(K) RETIREMENT PLAN Estimated Average Employer Match

In 2021, the estimated average employer match for an employee in THE GOLDER ASSOCIATES INC. 401(K) RETIREMENT PLAN is approximately $2,702.00
Investing in this additonal $2,702.00 for 20 years would give you extra $172,947.00, assuming a 10% annual return.

THE GOLDER ASSOCIATES INC. 401(K) RETIREMENT PLAN Contribution & Match Policy

1. Employee Contribution Rates: Participants could have contributed up to 75% of their annual pretax compensation.

2. Employer Match/Contribution Conditions: The employer made fixed safe harbor contributions equal to 100% of the first 3% of the participant's eligible compensation, plus 50% of the participant's eligible compensation exceeding 3% but not exceeding 6%.

3. Vesting Schedule/Eligibility: Participants were 100% vested immediately in their contributions and Company safe harbor contributions. Vesting in the Company's discretionary contributions was based on a progressive schedule: a participant was 100% vested after 6 years of credited service.

4. Roth 401(k) Contribution: Yes, participants could make qualified Roth contributions to the Plan.

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