UNITED SITE SERVICES, INC. 401(K) PLAN Contribution & Employer Match
How UNITED SITE SERVICES, INC Supports Your Retirement Savings
UNITED SITE SERVICES, INC provides retirement savings benefits through UNITED SITE SERVICES, 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.
UNITED SITE SERVICES, INC. 401(K) PLAN Average Participant Retirement Account Value
UNITED SITE SERVICES, INC. 401(K) PLAN Estimated Average Employee Contribution Amount
153,409.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,397.00 in UNITED SITE SERVICES, INC. 401(K) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in UNITED SITE SERVICES, 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.
UNITED SITE SERVICES, INC. 401(K) PLAN Total Employer Contribution and Match Rate
UNITED SITE SERVICES, INC. 401(K) PLAN Estimated Average Employer Match
Investing in this additonal $744.00 for 20 years would give you extra $47,622.00, 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 SITE SERVICES, INC. 401(K) PLAN Contribution & Match Policy
UNITED SITE SERVICES, INC. 401(K) PLAN Contribution, Match and Other Plan Policies
- The Plan permits eligible employees through a salary deferral election to have the Company make annual contributions of up to 100% of their eligible compensation on a pre-tax or after-tax Roth basis.
- Participant rollover contributions are also permitted.
- Participants who have attained age 50 before the end of the plan year are eligible to make catch-up contributions.
- For the plan year ended December 31, 2024, the Company matched 50% of each participant’s deferral contributions up to 6% of the participant’s compensation, for a maximum match of 3% of compensation.
- For any participant hired before November 1, 2007, a participant’s interest in the Company’s contributions and earnings thereon vests according to the following schedule: Years of Service Vested % 1 0% 2 20% 3 40% 4 60% 5 80% 6+ 100% For certain participating employers who have participants hired after November 1, 2007, a participant’s interest in the Company’s contributions and earnings thereon vests according to the following schedule: Years of Service Vested % 1 33% 2 66% 3+ 100% Participants are fully vested in that portion of their account which represents their contributions, and the income earned thereon.
- Participants become 100% vested in Company contributions and earnings thereon upon death, total and permanent disability, or attainment of normal retirement age.
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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