ALDERMAN’S RETIREMENT PLAN Contribution & Employer Match

How ALDERMAN HOLDING CORPORATION Supports Your Retirement Savings

ALDERMAN HOLDING CORPORATION provides retirement savings benefits through ALDERMAN’S 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.

ALDERMAN’S RETIREMENT PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for ALDERMAN’S RETIREMENT PLAN is $114,792.00

ALDERMAN’S RETIREMENT PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for ALDERMAN’S RETIREMENT PLAN is $3,152.00. 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.
201,789.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,152.00 in ALDERMAN’S RETIREMENT PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in ALDERMAN’S 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.

ALDERMAN’S RETIREMENT PLAN Total Employer Contribution and Match Rate

In 2024, ALDERMAN’S RETIREMENT PLAN allocates $200,000.00 to match its employees’ contributions, providing an employer match rate of 51.99% of their contributions

ALDERMAN’S RETIREMENT PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in ALDERMAN’S RETIREMENT PLAN is approximately $1,834.00
Investing in this additonal $1,834.00 for 20 years would give you extra $117,431.00, 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.

ALDERMAN’S RETIREMENT PLAN Contribution & Match Policy

ALDERMAN’S RETIREMENT PLAN Plan Policies

ALDERMAN’S RETIREMENT PLAN Contribution, Match and Other Plan Policies

  • Once a participant is eligible for the Plan, they will be automatically set up to begin making elective contributions of 5% of their annual compensation to the 401(k) plan unless they specifically elect not to participate.
  • Participants may increase, decrease or terminate their elective deferral percentage at any time.
  • Participants may make elective deferrals to the Plan in any percentage or set amount of their compensation, subject to Internal Revenue Service (IRS) limitations.
  • Participant elective deferrals are made through payroll deductions.
  • Participants that have attained age fifty before the close of the plan year are eligible to make catch-up contributions, subject to IRS limitations.
  • Rollover contributions are allowed at any time even for employees that are not yet eligible to participate in the Plan.
  • The Company may make a discretionary profit-sharing contribution to the Plan each year.
  • To be eligible to receive an allocation of the discretionary employer profit-sharing contribution, a participant must complete 1,000 hours of service during the plan year and be employed on the last day of the plan year.
  • The allocation of the discretionary profit-sharing contribution is determined each year as a percentage of compensation or dollar amount per participant.
  • Discretionary employer profit-sharing contributions were $200,000 annually for the years ended December 31, 2024 and 2023.
  • Participants are immediately vested in their elective salary deferral and rollover contributions plus actual earnings thereon.
  • Vesting in the remainder of their account is based on years of continuous service.
  • Participants are 100% vested after six years of credited service for discretionary employer profit-sharing contributions.

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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