DGA 401(K) PROFIT SHARING PLAN Contribution & Employer Match
How DG ARCHITECTS, INC. DGA Supports Your Retirement Savings
DG ARCHITECTS, INC. DGA provides retirement savings benefits through DGA 401(K) PROFIT SHARING 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.
DGA 401(K) PROFIT SHARING PLAN Average Participant Retirement Account Value
DGA 401(K) PROFIT SHARING PLAN Estimated Average Employee Contribution Amount
808,572.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 12,633.00 in DGA 401(K) PROFIT SHARING PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in DGA 401(K) PROFIT SHARING 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.
* 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.
DGA 401(K) PROFIT SHARING PLAN Contribution & Match Policy
DGA 401(K) PROFIT SHARING PLAN Contribution, Match and Other Plan Policies
- Each year, participants may elect to contribute a portion of their compensation, subject to certain maximum limitations imposed by Section 402(g) of the IRC.
- Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
- The Company may make discretionary profit sharing contributions which will be allocated in accordance with the plan document provisions.
- The Company may also make discretionary matching contributions.
- Vesting schedule: Service Years: Matching – Profit Sharing < 1: 100% – 0% 1: 100% – 10% 2: 100% – 20% 3: 100% – 40% 4: 100% – 60% 5: 100% – 100% If participants are employed on or after their Normal Retirement Age or if they terminate employment on account of death or disability, they are 100% vested in their Company matching and profit sharing contributions.
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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