STEIN GARDEN CENTERS, INC. 401(K) PLAN Contribution & Employer Match
How STEIN GARDEN CENTERS, INC. Supports Your Retirement Savings
STEIN GARDEN CENTERS, INC. provides retirement savings benefits through STEIN GARDEN CENTERS, 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.
STEIN GARDEN CENTERS, INC. 401(K) PLAN Average Participant Retirement Account Value
STEIN GARDEN CENTERS, INC. 401(K) PLAN Estimated Average Employee Contribution Amount
120,377.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 1,880.00 in STEIN GARDEN CENTERS, INC. 401(K) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in STEIN GARDEN CENTERS, 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.
STEIN GARDEN CENTERS, INC. 401(K) PLAN Total Employer Contribution and Match Rate
STEIN GARDEN CENTERS, INC. 401(K) PLAN Estimated Average Employer Match
Investing in this additonal $830.00 for 20 years would give you extra $53,148.00, 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.
STEIN GARDEN CENTERS, INC. 401(K) PLAN Contribution & Match Policy
STEIN GARDEN CENTERS, INC. 401(K) PLAN Contribution, Match and Other Plan Policies
- The Plan provides for voluntary pre-tax and ROTH employee contributions of 1% to 100% of compensation, up to the maximum amount allowed by law.
- The Plan allows for catch-up contributions for those participants age fifty or older.
- During 2024 and 2023, the Company made a safe harbor matching contribution equal to 100% up to 3% and 50% of the next 2% of the participant’s contribution.
- 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:
| 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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