VILLAGE CAPITAL 401(K) PLAN Contribution & Employer Match

VILLAGE CAPITAL 401(K) PLAN Contribution & Employer Match

VILLAGE CAPITAL & INVESTMENT, LLC provides the following retirement savings benefits to its employees:

VILLAGE CAPITAL 401(K) PLAN Average Participant Retirement Account Value

In 2022, the average participant retirement account value for VILLAGE CAPITAL 401(K) PLAN is $10,887.00

VILLAGE CAPITAL 401(K) PLAN Estimated Average Employee Contribution Amount

In 2022, the estimated average employee contribution amount per participant for VILLAGE CAPITAL 401(K) PLAN is $2,329.00. 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.
149,092.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,329.00 in VILLAGE CAPITAL 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 VILLAGE CAPITAL 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’.

VILLAGE CAPITAL 401(K) PLAN Total Employer Contribution and Match Rate

In 2022, VILLAGE CAPITAL 401(K) PLAN allocates $278,049.00 to match its employees' contributions, providing an employer match rate of 47.65% of their contributions

VILLAGE CAPITAL 401(K) PLAN Estimated Average Employer Match

In 2022, the estimated average employer match for an employee in VILLAGE CAPITAL 401(K) PLAN is approximately $877.00
Investing in this additonal $877.00 for 20 years would give you extra $56,136.00, assuming a 10% annual return.

VILLAGE CAPITAL 401(K) PLAN Contribution & Match Policy

1. Employee Contribution Rates: Employees can contribute up to 100% of their eligible compensation, not exceeding the maximum amount allowable under the IRC, which was $20,500 during 2022 ($27,000 for participants age 50 and older).

2. Employer Match/Contribution Conditions: The employer matches 100% of each eligible participant’s salary reduction contribution up to 3% and 50% of each eligible participant’s salary reduction contributions between 3% and 5% of compensation. Additionally, the employer may make an additional discretionary matching contribution not to exceed 4% of a participant’s total compensation.

3. Vesting Schedule/Eligibility: Participants are immediately vested 100% in their account balances, except for discretionary matching contributions which vest 20% each year over five years of service. Employees must complete one year of service and enroll in the plan to be eligible for the employer match.

4. Roth 401(k) Contribution: Allowed.

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