LARSON-JUHL RETIREMENT INVESTMENT PLAN Contribution & Employer Match
How LARSON-JUHL US LLC Supports Your Retirement Savings
LARSON-JUHL US LLC provides retirement savings benefits through LARSON-JUHL RETIREMENT INVESTMENT 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.
LARSON-JUHL RETIREMENT INVESTMENT PLAN Average Participant Retirement Account Value
LARSON-JUHL RETIREMENT INVESTMENT PLAN Estimated Average Employee Contribution Amount
143,949.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,249.00 in LARSON-JUHL RETIREMENT INVESTMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in LARSON-JUHL RETIREMENT INVESTMENT 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.
LARSON-JUHL RETIREMENT INVESTMENT PLAN Total Employer Contribution and Match Rate
LARSON-JUHL RETIREMENT INVESTMENT PLAN Estimated Average Employer Match
Investing in this additonal $480.00 for 20 years would give you extra $30,762.00, 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.
LARSON-JUHL RETIREMENT INVESTMENT PLAN Contribution & Match Policy
LARSON-JUHL RETIREMENT INVESTMENT PLAN Contribution, Match and Other Plan Policies
- Eligible employees are automatically enrolled into the Plan, and pre-tax contributions are withheld at 5% of eligible compensation, unless the employee elects differently.
- Under an automatic savings increase program, once an employee is automatically enrolled, the deferral percentage will automatically increase by 1% on an annual basis until the deferral percentage reaches 12%; however, eligible employees can opt out of the automatic increase program.
- Each participant may elect to make pre-tax and/or Roth contributions of up to 75% of eligible compensation as defined by the Plan document, not to exceed a maximum of $23,000 in 2024, plus catch-up contributions of $7,500 for those participants who are at least 50 years of age.
- The Company makes a discretionary matching contribution equal to $0.50 for every $1 that a participant contributes up to 4% of eligible compensation contributed to the Plan.
- Participants are vested immediately in their contributions and earnings and losses thereon.
- Vesting in the Company’s contributions is based on years of service.
- For participants who terminated prior to June 1, 2017, Company contributions vested 20% per year after two years of service and are fully vested after six years of service.
- For participants who terminate on or after June 1, 2017, Company contributions vest 34% per year in the first two years of service and are fully vested after the third year of service.
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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