STATE GARDEN, INC. 401(K) RETIREMENT PLAN Contribution & Employer Match

How STATE GARDEN, INC. Supports Your Retirement Savings

STATE GARDEN, INC. provides retirement savings benefits through STATE GARDEN, INC. 401(K) RETIREMENT 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.

STATE GARDEN, INC. 401(K) RETIREMENT PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for STATE GARDEN, INC. 401(K) RETIREMENT PLAN is $53,197.00

STATE GARDEN, INC. 401(K) RETIREMENT PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for STATE GARDEN, INC. 401(K) RETIREMENT PLAN is $3,080.00. 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.
197,179.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,080.00 in STATE GARDEN, INC. 401(K) RETIREMENT PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in STATE GARDEN, INC. 401(K) RETIREMENT 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.

STATE GARDEN, INC. 401(K) RETIREMENT PLAN Total Employer Contribution and Match Rate

In 2024, STATE GARDEN, INC. 401(K) RETIREMENT PLAN allocates $614,434.00 to match its employees’ contributions, providing an employer match rate of 68.30% of their contributions

STATE GARDEN, INC. 401(K) RETIREMENT PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in STATE GARDEN, INC. 401(K) RETIREMENT PLAN is approximately $1,755.00
Investing in this additonal $1,755.00 for 20 years would give you extra $112,353.00, 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.

STATE GARDEN, INC. 401(K) RETIREMENT PLAN Contribution & Match Policy

STATE GARDEN, INC. 401(K) RETIREMENT PLAN Plan Policies

STATE GARDEN, INC. 401(K) RETIREMENT PLAN Contribution, Match and Other Plan Policies

  • Eligible participants may make voluntary contributions through salary reductions from 1% to 100% of their eligible annual compensation, as defined, limited to the maximum amount allowable under the provisions of the IRC ($23,000 in 2024).
  • Further, participants who are 50 years of age or older as of December 31, 2024 may contribute an additional catch up contribution ($7,500 in 2024).
  • The Plan also allows participants to defer funds as a Roth 401(k) deferral.
  • These deferrals are subject to federal income taxes and the maximum allowable contribution is $23,000 combined between both the Roth and the pre-tax deferral.
  • Participant rollover contributions are also permitted.
  • Immediately upon satisfying eligibility requirements, employees will become automatically enrolled in the Plan at a deferral percent of 3%, increasing by 1%, annually, on the first day of the plan year until a deferral percent of 6% is reached.
  • The Plan provides for a safe harbor contribution for all eligible participants.
  • The safe harbor contribution is a non-elective contribution equal to 3% of a participants’ eligible compensation, as defined.
  • The Company may also make additional discretionary matching contributions and discretionary profit-sharing contributions including qualified non-elective contributions.
  • There were no discretionary matching or profit-sharing contributions made for the year ended December 31, 2024.
  • Vesting schedule:
  • Less than 2 years: 0%

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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