UNITED FACILITIES, INC. RETIREMENT PLAN NO. 004-86 Contribution & Employer Match
How UNITED FACILITIES, INC. Supports Your Retirement Savings
UNITED FACILITIES, INC. provides retirement savings benefits through UNITED FACILITIES, INC. RETIREMENT PLAN NO. 004-86. 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.
UNITED FACILITIES, INC. RETIREMENT PLAN NO. 004-86 Average Participant Retirement Account Value
UNITED FACILITIES, INC. RETIREMENT PLAN NO. 004-86 Estimated Average Employee Contribution Amount
236,407.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,693.00 in UNITED FACILITIES, INC. RETIREMENT PLAN NO. 004-86, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in UNITED FACILITIES, INC. RETIREMENT PLAN NO. 004-86
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.
UNITED FACILITIES, INC. RETIREMENT PLAN NO. 004-86 Total Employer Contribution and Match Rate
UNITED FACILITIES, INC. RETIREMENT PLAN NO. 004-86 Estimated Average Employer Match
Investing in this additonal $2,235.00 for 20 years would give you extra $143,085.00, 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.
UNITED FACILITIES, INC. RETIREMENT PLAN NO. 004-86 Contribution & Match Policy
UNITED FACILITIES, INC. RETIREMENT PLAN NO. 004-86 Contribution, Match and Other Plan Policies
- Participants may contribute, on a pre-tax basis, up to a certain amount annually as determined by law.
- Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
- The Plan provides for the Company to contribute an amount equal to 2.5% of a participant’s compensation each year.
- There is also a matching contribution by the Company equal to 50% of the employee’s contribution.
- In determining the Company matching contribution, only employee contributions of up to 4.0% of compensation shall be considered.
- Vesting in the remainder of their accounts is based on years of continuous service.
- A participant is vested in Company contributions and earnings thereon based on years of service as follows: 20% after two years, 40% after three years, 60% after four years, 80% after five years, and 100% after six years of 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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