GOLUB CAPITAL LLC 401(K) PLAN Contribution & Employer Match
How GOLUB CAPITAL LLC Supports Your Retirement Savings
GOLUB CAPITAL LLC provides retirement savings benefits through GOLUB CAPITAL LLC 401(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.
GOLUB CAPITAL LLC 401(K) PLAN Average Participant Retirement Account Value
GOLUB CAPITAL LLC 401(K) PLAN Estimated Average Employee Contribution Amount
1,632,586.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 25,509.00 in GOLUB CAPITAL LLC 401(K) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in GOLUB CAPITAL LLC 401(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.
GOLUB CAPITAL LLC 401(K) PLAN Total Employer Contribution and Match Rate
GOLUB CAPITAL LLC 401(K) PLAN Estimated Average Employer Match
Investing in this additonal $5,606.00 for 20 years would give you extra $358,788.00, 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.
GOLUB CAPITAL LLC 401(K) PLAN Contribution & Match Policy
1. Employee Contribution Rates: Employees can contribute up to 100 percent of their salary, provided the total does not exceed the lesser of 90 percent of their pre-tax annual compensation or $20,500 (or $27,000 for participants over the age of 50) in 2022.
2. Employer Match/Contribution Conditions: The employer matches contributions at fifty percent of the first six percent of the eligible contributions made by the participant.
3. Vesting Schedule/Eligibility: Participants are immediately vested in deferral and rollover contributions, as well as safe harbor non-elective employer contributions. For employer discretionary non-elective contributions, participants are not vested if they have less than two years of service, vest at a rate of 20 percent per annum for two to six years of service, and are fully vested after six years. For employer discretionary match contributions, participants are not vested if they have less than two years of service, vest at a rate of 25 percent per annum for two to five years of service, and are fully vested after five years.
4. Roth 401(k) Contribution: The plan allows for Roth 401(k) contribution.
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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