ACUITY INTERNATIONAL RETIREMENT PLAN Contribution & Employer Match

How ACUITY INTERNATIONAL, LLC Supports Your Retirement Savings

ACUITY INTERNATIONAL, LLC provides retirement savings benefits through ACUITY INTERNATIONAL 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.

ACUITY INTERNATIONAL RETIREMENT PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for ACUITY INTERNATIONAL RETIREMENT PLAN is $42,473.00

ACUITY INTERNATIONAL RETIREMENT PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for ACUITY INTERNATIONAL RETIREMENT PLAN is $6,317.00. 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.
404,301.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 6,317.00 in ACUITY INTERNATIONAL RETIREMENT PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in ACUITY INTERNATIONAL 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.

ACUITY INTERNATIONAL RETIREMENT PLAN Total Employer Contribution and Match Rate

In 2024, ACUITY INTERNATIONAL RETIREMENT PLAN allocates $2,286,591.00 to match its employees’ contributions, providing an employer match rate of 26.21% of their contributions

ACUITY INTERNATIONAL RETIREMENT PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in ACUITY INTERNATIONAL RETIREMENT PLAN is approximately $827.00
Investing in this additonal $827.00 for 20 years would give you extra $52,984.00, 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.

ACUITY INTERNATIONAL RETIREMENT PLAN Contribution & Match Policy

ACUITY INTERNATIONAL RETIREMENT PLAN Plan Policies

ACUITY INTERNATIONAL RETIREMENT PLAN Contribution, Match and Other Plan Policies

  • Each year, participants who have reached eighteen years of age may defer and contribute up to 100% of their compensation, as defined in the Plan document, on a pre-tax or after-tax basis, subject to certain Internal Revenue Code (IRC) limitations.
  • Participants who have attained age 50 before the end of the plan year are eligible to make catch-up contributions.
  • Through December 31, 2020, the Plan Sponsor made safe harbor matching contributions equal to 100% of the first 3% of compensation that a participant contributed to the Plan, and 50% of the next 2% of compensation that a participant contributed to the Plan.
  • Effective January 1, 2021, the Plan was amended and restated to remove the safe harbor matching contributions provisions.
  • Discretionary matching employer contributions may be made at the direction of the Board of Directors to eligible participants.
  • Discretionary matching employer contributions up to 3% of each employee’s eligible compensation were made during 2024.
  • All participants are immediately vested in their contributions as well as Plan Sponsor safe harbor contributions, prevailing wage contributions and discretionary employer match contributions, plus actual earnings thereon.
  • Vesting in non-elective employer contributions is based on years of service, as defined.
  • A participant is 100 percent vested in such non-elective employer contributions after four 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:

 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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