1-800-FLOWERS TEAM SERVICES, INC. 40I(K) PLAN Contribution & Employer Match
How 1-800-FLOWERS TEAM SERVICES, INC. Supports Your Retirement Savings
1-800-FLOWERS TEAM SERVICES, INC. provides retirement savings benefits through 1-800-FLOWERS TEAM SERVICES, INC. 40I(K) 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.
1-800-FLOWERS TEAM SERVICES, INC. 40I(K) PLAN Average Participant Retirement Account Value
1-800-FLOWERS TEAM SERVICES, INC. 40I(K) PLAN Estimated Average Employee Contribution Amount
5,668.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 88.00 in 1-800-FLOWERS TEAM SERVICES, INC. 40I(K) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in 1-800-FLOWERS TEAM SERVICES, INC. 40I(K) 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.
1-800-FLOWERS TEAM SERVICES, INC. 40I(K) PLAN Total Employer Contribution and Match Rate
1-800-FLOWERS TEAM SERVICES, INC. 40I(K) PLAN Estimated Average Employer Match
Investing in this additonal $4.00 for 20 years would give you extra $301.00, 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.
1-800-FLOWERS TEAM SERVICES, INC. 40I(K) PLAN Contribution & Match Policy
1-800-FLOWERS TEAM SERVICES, INC. 40I(K) PLAN Contribution, Match and Other Plan Policies
- Participants may contribute up to 80% of their annual eligible pretax compensation providing that such contributions do not exceed the maximum allowed contribution limits established by the Internal Revenue Service (IRS) each year.
- For 2024, the maximum allowed contribution limit was $23,000 with an additional $7,500 for eligible participants who attained the age of 50 before the close of the Plan year.
- The Plan includes an auto-enrollment provision whereby all newly eligible employees are automatically enrolled in the Plan unless they affirmatively elect not to participate in the Plan.
- Automatically enrolled participants have their deferral rate set at 3% of eligible compensation.
- The Plan also has an escalation feature whereby the deferral rate will increase each year by 1%.
- In accordance with the provisions of the Plan, the Company makes a discretionary matching employer contribution of 50% of the first $1,500 of annual eligible compensation that a participant contributes to the Plan.
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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