Future Value of Annuity. Lena has ust become e ble to par a ate in her company's retirement plan. Her company does not match contributions, but he plan does average an annual return a 11%. Lena s 40 and plans to work to age 65. If she contributes $160 per month, how much will she have in her plan at retirement? When Lena retires, the amount she will have in her retirement plan is S (Use your financial calculator and round to the nearest cent.)