ACE RETAIL SAVINGS PLAN 401(K) Contribution & Employer Match

How ACE HARDWARE CORPORATION Supports Your Retirement Savings

ACE HARDWARE CORPORATION provides retirement savings benefits through ACE RETAIL SAVINGS PLAN 401(K). 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.

ACE RETAIL SAVINGS PLAN 401(K) Average Participant Retirement Account Value

In 2024, the average participant retirement account value for ACE RETAIL SAVINGS PLAN 401(K) is $19,658.00

ACE RETAIL SAVINGS PLAN 401(K) Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for ACE RETAIL SAVINGS PLAN 401(K) is $1,497.00. If you contribute an amount exceeding this, you have saved more than your colleagues. Congratulations! Keep up the good work. Otherwise, you might want to consider contributing more to ensure a better retirement future.
95,862.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 1,497.00 in ACE RETAIL SAVINGS PLAN 401(K), assuming a 10%* annual return.

* Data are from public filings.

Employer Match in ACE RETAIL SAVINGS PLAN 401(K)

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.

ACE RETAIL SAVINGS PLAN 401(K) Total Employer Contribution and Match Rate

In 2024, ACE RETAIL SAVINGS PLAN 401(K) allocates $5,646,766.00 to match its employees’ contributions, providing an employer match rate of 44.24% of their contributions

ACE RETAIL SAVINGS PLAN 401(K) Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in ACE RETAIL SAVINGS PLAN 401(K) is approximately $589.00
Investing in this additonal $589.00 for 20 years would give you extra $37,747.00, 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.

ACE RETAIL SAVINGS PLAN 401(K) Contribution & Match Policy

ACE RETAIL SAVINGS PLAN 401(K) Plan Policies

ACE RETAIL SAVINGS PLAN 401(K) Contribution, Match and Other Plan Policies

  • Participants may contribute an amount of annual compensation as defined by the Plan, subject to Internal Revenue Service (IRS) limitations.
  • Participants who have attained age 50 before the end of the plan year are eligible to make catch-up contributions.
  • The Plan allows each Participating Employer to determine if its employees will be automatically enrolled for those employees hired after a specified date, as defined in their adoption agreement.
  • Each Participating Employer elects the level of safe harbor, matching, and/or profit-sharing, or other discretionary contributions.
  • Participating Employer contributions, if any, are recorded in the year for which the contributions apply.
  • Participants are immediately vested in their individual contributions, and their Adopting Employer’s safe harbor contributions, if any, plus actual earnings or losses thereon.
  • Vesting in the Adopting Employer’s other contributions is based on years of credited service.
  • A participant generally does not begin to vest until year two (2) and increases ratably over a period not to exceed five years, per the Plan document.
  • However, vesting schedules vary based on the Participating Employer’s elections.
  • Participant accounts become fully vested upon reaching normal retirement age (65), death, or disability.

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:

 20242025
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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