HANDSTANDS PROMO RETIREMENT PLAN Contribution & Employer Match
How HANDSTANDS PROMO, LLC Supports Your Retirement Savings
HANDSTANDS PROMO, LLC provides retirement savings benefits through HANDSTANDS PROMO RETIREMENT 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.
HANDSTANDS PROMO RETIREMENT PLAN Average Participant Retirement Account Value
HANDSTANDS PROMO RETIREMENT PLAN Estimated Average Employee Contribution Amount
141,935.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,217.00 in HANDSTANDS PROMO RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in HANDSTANDS PROMO RETIREMENT 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.
HANDSTANDS PROMO RETIREMENT PLAN Total Employer Contribution and Match Rate
HANDSTANDS PROMO RETIREMENT PLAN Estimated Average Employer Match
Investing in this additonal $1,073.00 for 20 years would give you extra $68,700.00, 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.
HANDSTANDS PROMO RETIREMENT PLAN Contribution & Match Policy
HANDSTANDS PROMO RETIREMENT PLAN Contribution, Match and Other Plan Policies
- Eligible participants are permitted to elect to have a percentage or dollar amount, limited by Plan provisions, of their compensation contributed as pre-tax 401(k) or after-tax Roth contributions to the Plan.
- Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
- 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, and their contributions are invested in the designated default fund until changed by the participant.
- The deferral rate is also automatically increased each Plan year by 1% starting in year three of eligibility up to a maximum of 6% of eligible compensation, unless the participant elects otherwise.
- For the year ended December 31, 2024, the Employer safe harbor matching contribution was 100% of the first 2% of eligible compensation deferred and 50% of eligible compensation deferred that exceed 2% but do not exceed 6%.
- Participants are immediately vested in their contributions, the Employer safe harbor matching contribution plus actual earnings thereon.
- Vesting in the Employer discretionary contribution portion of their accounts, plus actual earnings thereon, is based on years of credited service.
- A participant is 100% vested after six years of credited service.
- Notwithstanding the above, a participant is fully vested upon reaching normal retirement age, death, or permanent disability.
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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