A-1 INDUSTRIES RETIREMENT PLAN Contribution & Employer Match
How A-1 INDUSTRIES OF FLORIDA, INC. Supports Your Retirement Savings
A-1 INDUSTRIES OF FLORIDA, INC. provides retirement savings benefits through A-1 INDUSTRIES 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.
A-1 INDUSTRIES RETIREMENT PLAN Average Participant Retirement Account Value
A-1 INDUSTRIES RETIREMENT PLAN Estimated Average Employee Contribution Amount
211,247.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,300.00 in A-1 INDUSTRIES RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in A-1 INDUSTRIES 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.
A-1 INDUSTRIES RETIREMENT PLAN Total Employer Contribution and Match Rate
A-1 INDUSTRIES RETIREMENT PLAN Estimated Average Employer Match
Investing in this additonal $538.00 for 20 years would give you extra $34,451.00, 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.
A-1 INDUSTRIES RETIREMENT PLAN Contribution & Match Policy
A-1 INDUSTRIES RETIREMENT PLAN Contribution, Match and Other Plan Policies
- Each year, participants may contribute compensation, as defined in the plan document, subject to certain Internal Revenue Code (IRC) limitations.
- Participant salary deferrals may be traditional 401(k) (pretax) or Roth 401(k) (after-tax).
- Participants who reach age 50 before the end of the Plan year may make catch-up contributions.
- The Plan includes an auto-enrollment provision whereby all newly eligible employees are automatically enrolled in the Plan unless they affirmatively elect not to participate.
- Automatically enrolled participants have their deferral rate set at 3 percent of eligible compensation.
- The Company made a matching contribution of 50% of the employees’ deferral, up to 6% of compensation deferred.
- The Company may also make discretionary non-elective matching contributions.
- Vesting in the Company’s discretionary non-elective matching contribution portion of their account plus actual earnings thereon is based on years of service.
- Participants vest 20% for each year of service starting in year 2 and are 100% vested after 6 years of credited service.
- Vesting in the Company’s matching contribution portion of their account plus actual earnings thereon is based on years of service.
- Participants vest 30% starting in year 2, 70% for year 3, and are 100% vested after 4 years of credited 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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