QCR HOLDINGS, INC. 401(K) PLAN Contribution & Employer Match

How QCR HOLDINGS, INC. Supports Your Retirement Savings

QCR HOLDINGS, INC. provides retirement savings benefits through QCR HOLDINGS, INC. 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.

QCR HOLDINGS, INC. 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for QCR HOLDINGS, INC. 401(K) PLAN is $131,209.00

QCR HOLDINGS, INC. 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for QCR HOLDINGS, INC. 401(K) PLAN is $7,834.00. 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.
501,402.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 7,834.00 in QCR HOLDINGS, INC. 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in QCR HOLDINGS, INC. 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.

QCR HOLDINGS, INC. 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, QCR HOLDINGS, INC. 401(K) PLAN allocates $3,476,420.00 to match its employees’ contributions, providing an employer match rate of 43.78% of their contributions

QCR HOLDINGS, INC. 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in QCR HOLDINGS, INC. 401(K) PLAN is approximately $2,999.00
Investing in this additonal $2,999.00 for 20 years would give you extra $191,967.00, 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.

QCR HOLDINGS, INC. 401(K) PLAN Contribution & Match Policy

QCR HOLDINGS, INC. 401(K) PLAN Plan Policies

QCR HOLDINGS, INC. 401(K) PLAN Contribution, Match and Other Plan Policies

  • Participants may contribute up to 100 percent of their eligible compensation in the form of a salary reduction, subject to certain limitations.
  • Participants who were 50 years of age or older on December 31, 2024 and 2023, were eligible to make additional elective deferral contributions of $7,500 in both 2024 and 2023.
  • The Plan includes an auto-enrollment provision, and all newly eligible participants are automatically enrolled in the Plan, unless they elect not to participate within the 30-day opt out period.
  • The contribution percentage is 6% of the participant’s eligible compensation, with a 1% automatic increase annually up to a maximum of 15%.
  • The Company makes discretionary matching contributions equal to 100 percent of the first 3 percent of the participant’s compensation deferred and 50 percent of the next 3 percent of compensation deferred.
  • Vesting in the Company’s discretionary matching contribution, discretionary profit-sharing contribution, and earnings thereon is based on years of service.
  • Vesting is based on years of continuous service beginning at 20 percent after 1 year of service and increasing 20 percent for each year of continuous service thereafter.
  • A participant is 100 percent vested after 5 years of continuous 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:

 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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