LPL FINANCIAL LLC PROFIT SHARING 401(K) PLAN Contribution & Employer Match

How LPL FINANCIAL LLC Supports Your Retirement Savings

LPL FINANCIAL LLC provides retirement savings benefits through LPL FINANCIAL LLC PROFIT SHARING 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.

LPL FINANCIAL LLC PROFIT SHARING 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for LPL FINANCIAL LLC PROFIT SHARING 401(K) PLAN is $88,595.00

LPL FINANCIAL LLC PROFIT SHARING 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for LPL FINANCIAL LLC PROFIT SHARING 401(K) PLAN is $9,696.00. If you contribute an amount exceeding this, you have saved more than your colleagues. Congratulations! Keep up the good work. Otherwise, you might want to consider contributing more to ensure a better retirement future.
620,553.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 9,696.00 in LPL FINANCIAL LLC PROFIT SHARING 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in LPL FINANCIAL LLC PROFIT SHARING 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.

LPL FINANCIAL LLC PROFIT SHARING 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, LPL FINANCIAL LLC PROFIT SHARING 401(K) PLAN allocates $41,152,459.00 to match its employees’ contributions, providing an employer match rate of 50.52% of their contributions

LPL FINANCIAL LLC PROFIT SHARING 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in LPL FINANCIAL LLC PROFIT SHARING 401(K) PLAN is approximately $3,880.00
Investing in this additonal $3,880.00 for 20 years would give you extra $248,327.00, 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.

LPL FINANCIAL LLC PROFIT SHARING 401(K) PLAN Contribution & Match Policy

LPL FINANCIAL LLC PROFIT SHARING 401(K) PLAN Plan Policies

LPL FINANCIAL LLC PROFIT SHARING 401(K) PLAN Contribution, Match and Other Plan Policies

  • Eligible employees shall automatically be enrolled in the Plan with a 3% pre-tax deferral, unless they elect a different percentage or decline participation.
  • Participants may make contributions to the Plan through salary deferrals in any amount, subject to limitations imposed by the Internal Revenue Code (the Code).
  • Participants may elect to have all or a portion of their elective deferrals classified as Roth contributions.
  • In addition, participants may elect to make after-tax contributions to the Plan, subject to annual limits.
  • Effective January 1, 2024, the Plan was amended such that the annual limit was increased to $25,300.
  • The after-tax contributions are not eligible for matching contributions.
  • In addition, employees who are age 50 or older can elect to defer additional amounts (called catch-up contributions) to the Plan up to the maximum allowed by the Code.
  • Participants may also contribute amounts representing rollover distributions, including Roth rollover contributions, from other qualified sources into the Plan.
  • The Plan allows matching contributions to be made at the discretion of the Company.
  • For matching contributions, the eligibility requirement is six months of service (no minimum hours of service).
  • During 2024, the discretionary matching contribution was equal to 75% of a participant’s elective deferral up to 8% of a participant’s compensation.
  • Participants are immediately 100% vested in their contributions and actual earnings thereon while employer contributions vest at a rate of 30%, 60% and 100% after one, two, and three years of credited service, respectively.
  • A year of credited service is defined as 1,000 hours of service during a plan year.
  • In addition, participants become fully vested in employer contributions in the event of death, disability or eligible retirement from the Company.

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:

 20242025
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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