LARKIN,HOFFMAN,DALY & LINDGREN, LTD. PROFIT SHARING PLAN AND TRUST Contribution & Employer Match
How LARKIN HOFFMAN DALY & LINDGREN LTD Supports Your Retirement Savings
LARKIN HOFFMAN DALY & LINDGREN LTD provides retirement savings benefits through LARKIN,HOFFMAN,DALY & LINDGREN, LTD. 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.
LARKIN,HOFFMAN,DALY & LINDGREN, LTD. PROFIT SHARING PLAN AND TRUST Average Participant Retirement Account Value
LARKIN,HOFFMAN,DALY & LINDGREN, LTD. PROFIT SHARING PLAN AND TRUST Estimated Average Employee Contribution Amount
581,342.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 9,083.00 in LARKIN,HOFFMAN,DALY & LINDGREN, LTD. PROFIT SHARING PLAN AND TRUST, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in LARKIN,HOFFMAN,DALY & LINDGREN, LTD. 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.
* 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.
LARKIN,HOFFMAN,DALY & LINDGREN, LTD. PROFIT SHARING PLAN AND TRUST Contribution & Match Policy
1. Employee Contribution Rates: Each year participants may contribute up to the annual maximum allowed by the Internal Revenue Service (IRS).
2. Employer Match/Contribution Conditions: To receive employer matching contributions and profit sharing contributions, participants need to have worked at least 1,000 hours during the 12-month period and be employed as of the last day of the plan year or have terminated after reaching normal retirement age, died, or became disabled.
3. Vesting Schedule/Eligibility: Participants are immediately vested in their rollover and salary deferral contributions. Vesting in employer contributions is based on years of service, with 100% vesting after six years of credited service or upon reaching normal retirement age, dying, or becoming disabled.
4. Roth 401(k) Contribution: There is no mention of a 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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