HOTEL RETIREMENT SYSTEMS PROFIT SHARING PLAN AND TRUST Contribution & Employer Match
How REGENCY HOTEL MANAGEMENT, LLC Supports Your Retirement Savings
REGENCY HOTEL MANAGEMENT, LLC provides retirement savings benefits through HOTEL RETIREMENT SYSTEMS PROFIT SHARING PLAN AND TRUST. 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.
HOTEL RETIREMENT SYSTEMS PROFIT SHARING PLAN AND TRUST Average Participant Retirement Account Value
HOTEL RETIREMENT SYSTEMS PROFIT SHARING PLAN AND TRUST Estimated Average Employee Contribution Amount
28,283.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 441.00 in HOTEL RETIREMENT SYSTEMS PROFIT SHARING PLAN AND TRUST, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in HOTEL RETIREMENT SYSTEMS PROFIT SHARING PLAN AND TRUST
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.
HOTEL RETIREMENT SYSTEMS PROFIT SHARING PLAN AND TRUST Total Employer Contribution and Match Rate
HOTEL RETIREMENT SYSTEMS PROFIT SHARING PLAN AND TRUST Estimated Average Employer Match
Investing in this additonal $136.00 for 20 years would give you extra $8,714.00, 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.
HOTEL RETIREMENT SYSTEMS PROFIT SHARING PLAN AND TRUST Contribution & Match Policy
HOTEL RETIREMENT SYSTEMS PROFIT SHARING PLAN AND TRUST Contribution, Match and Other Plan Policies
- Each year, participants may contribute up to 50% of their pretax annual compensation, as defined in the Plan.
- Contributions are subject to certain Internal Revenue Code (IRC) limitations.
- Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
- The Plan allows participants to designate contributions as Roth contributions.
- The Company may make annual discretionary non-elective and/or discretionary matching contributions.
- Company contributions are determined annually by each participating employer.
- To receive a matching contribution, a participant must be employed on the last day of the year.
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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