FIRSTCASH 401(K) PROFIT SHARING PLAN Contribution & Employer Match
How FIRSTCASH HOLDINGS, INC. Supports Your Retirement Savings
FIRSTCASH HOLDINGS, INC. provides retirement savings benefits through FIRSTCASH 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.
FIRSTCASH 401(K) PROFIT SHARING PLAN Average Participant Retirement Account Value
FIRSTCASH 401(K) PROFIT SHARING PLAN Estimated Average Employee Contribution Amount
132,792.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,074.00 in FIRSTCASH 401(K) PROFIT SHARING PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in FIRSTCASH 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.
FIRSTCASH 401(K) PROFIT SHARING PLAN Total Employer Contribution and Match Rate
FIRSTCASH 401(K) PROFIT SHARING PLAN Estimated Average Employer Match
Investing in this additonal $847.00 for 20 years would give you extra $54,230.00, 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.
FIRSTCASH 401(K) PROFIT SHARING PLAN Contribution & Match Policy
FIRSTCASH 401(K) PROFIT SHARING PLAN Contribution, Match and Other Plan Policies
- Each year, participants may contribute to the Plan an amount up to 100% of their annual compensation as pre-tax or Roth after-tax contributions.
- However, each participant’s annual contribution shall not exceed the maximum amount allowed for deferral as set forth by the Internal Revenue Code (the "Code"), which was $23,000 for 2024 and $22,500 for 2023.
- In addition, participants over age 50 were allowed to contribute an additional $7,500 for 2024 and 2023.
- Unless they elect otherwise, employees are automatically enrolled and contribute 5% of their compensation beginning six months after their date of hire.
- The Company contributes to the Plan a matching amount equal to 50% of the first 5% of the participant’s annual compensation contributed to the Plan.
- Participants are eligible to receive Company matching contributions after twelve months of service with the Company, subject to vesting requirements.
- Participants are immediately vested in their contributions (including rollovers) plus actual earnings thereon.
- Vesting in Employer contributions is based on years of continuous service with the Company, which is determined as a twelve consecutive month period ending on each anniversary of a participant’s date of hire.
- Participants become 25% vested in Employer contributions after two years, and an additional 25% each year thereafter until 100% vested upon five years of credited service.
- Participants of the AFF Plan, which merged into the Plan effective December 30, 2022, become 20% vested in Employer contributions after one year, and an additional 20% each year thereafter until 100% vested upon five years of credited service.
- A participant is also 100% vested in Employer contributions upon reaching retirement age or if employment is terminated by reason of total and permanent disability or death.
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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