59 WALL STREET CAPITAL ACCUMULATION PLAN Contribution & Employer Match
How BROWN BROTHERS HARRIMAN & CO. Supports Your Retirement Savings
BROWN BROTHERS HARRIMAN & CO. provides retirement savings benefits through 59 WALL STREET CAPITAL ACCUMULATION 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.
59 WALL STREET CAPITAL ACCUMULATION PLAN Average Participant Retirement Account Value
59 WALL STREET CAPITAL ACCUMULATION PLAN Estimated Average Employee Contribution Amount
575,121.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 8,986.00 in 59 WALL STREET CAPITAL ACCUMULATION PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in 59 WALL STREET CAPITAL ACCUMULATION 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.
59 WALL STREET CAPITAL ACCUMULATION PLAN Total Employer Contribution and Match Rate
59 WALL STREET CAPITAL ACCUMULATION PLAN Estimated Average Employer Match
Investing in this additonal $7,979.00 for 20 years would give you extra $510,662.00, 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.
59 WALL STREET CAPITAL ACCUMULATION PLAN Contribution & Match Policy
59 WALL STREET CAPITAL ACCUMULATION PLAN Contribution, Match and Other Plan Policies
- Each year, participants can contribute up to 75% of their base salary and 75% of their bonus on a pre-tax and/or after-tax ("Roth") basis subject to certain limitations.
- After maximum pre-tax and Roth contributions are made, participants can also contribute an additional amount aggregating up to 75% of their base salary on an after-tax basis, subject to IRC limitations.
- Participants who reach age 50 at any time during 2024 are eligible to contribute an additional pre-tax or Roth catch-up contribution of $7,500 after the $23,000 limit is met.
- Regular salaried employees who are hired or rehired on or after April 1, 2013 and who satisfy the eligibility requirements are automatically enrolled in the Plan unless they elect otherwise.
- Participants that are automatically enrolled will be enrolled at 3% pre-tax and it will be invested in the Plan’s default investment option, which is the target date fund that aligns with the participant’s age.
- BBH matches pre-tax and Roth contributions in the amount of 50% of contributions up to 6% of eligible compensation (maximum match equals 3% of eligible compensation).
- Matching contributions are not made on catch up, after-tax or rollover contributions.
- Vesting schedule for Employer matching contributions made on or after January 1, 2002: Years of Service %
- Less than 2 years: 0%
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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