STACH & LIU, LLC. 401(K) PLAN Contribution & Employer Match
How STACH & LIU, LLC Supports Your Retirement Savings
STACH & LIU, LLC provides retirement savings benefits through STACH & LIU, LLC. 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.
STACH & LIU, LLC. 401(K) PLAN Average Participant Retirement Account Value
STACH & LIU, LLC. 401(K) PLAN Estimated Average Employee Contribution Amount
616,381.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 9,630.00 in STACH & LIU, LLC. 401(K) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in STACH & LIU, LLC. 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.
STACH & LIU, LLC. 401(K) PLAN Total Employer Contribution and Match Rate
STACH & LIU, LLC. 401(K) PLAN Estimated Average Employer Match
Investing in this additonal $3,614.00 for 20 years would give you extra $231,297.00, 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.
STACH & LIU, LLC. 401(K) PLAN Contribution & Match Policy
STACH & LIU, LLC. 401(K) PLAN Contribution, Match and Other Plan Policies
- Each year, participants may contribute up to 100% of pretax annual compensation, as defined in the Plan, subject to limits established by the Code ($23,000 in 2024).
- Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
- The Plan includes an automatic enrollment provision whereby, eligible employees automatically have 2% of their compensation withheld as an employee contribution unless they complete a salary reduction agreement and elect a different percentage or elect not to participate at all.
- Each semi-monthly period, the Company matches 100% of the first three percent of compensation and 50% of the fourth and fifth percent of compensation deferred by eligible participants and such amounts are immediately fully vested.
- Participants are immediately vested 100% in their contributions, plus actual earnings thereon.
- The employer safe harbor matching contributions are also immediately vested 100%.
- The discretionary profit sharing contribution, if any, vests at a rate of 20% beginning the second year of participation and a participant is 100% vested after six years of credited 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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