AMERICAN REFINING GROUP, INC. 401(K) PLAN Contribution & Employer Match

How AMERICAN REFINING GROUP, INC. Supports Your Retirement Savings

AMERICAN REFINING GROUP, INC. provides retirement savings benefits through AMERICAN REFINING GROUP, INC. 401(K) 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.

AMERICAN REFINING GROUP, INC. 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for AMERICAN REFINING GROUP, INC. 401(K) PLAN is $152,642.00

AMERICAN REFINING GROUP, INC. 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for AMERICAN REFINING GROUP, INC. 401(K) PLAN is $6,730.00. 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.
430,737.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 6,730.00 in AMERICAN REFINING GROUP, INC. 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in AMERICAN REFINING GROUP, INC. 401(K) 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.

AMERICAN REFINING GROUP, INC. 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, AMERICAN REFINING GROUP, INC. 401(K) PLAN allocates $1,705,575.00 to match its employees’ contributions, providing an employer match rate of 59.91% of their contributions

AMERICAN REFINING GROUP, INC. 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in AMERICAN REFINING GROUP, INC. 401(K) PLAN is approximately $4,453.00
Investing in this additonal $4,453.00 for 20 years would give you extra $285,004.00, 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.

AMERICAN REFINING GROUP, INC. 401(K) PLAN Contribution & Match Policy

AMERICAN REFINING GROUP, INC. 401(K) PLAN Plan Policies

AMERICAN REFINING GROUP, INC. 401(K) PLAN Contribution, Match and Other Plan Policies

  • Effective January 1, 2024, participants may designate up to 50% of salary as a pretax and/or Roth contribution after 90 days of service, as defined in the Plan document, each year.
  • Participants may also contribute amounts representing distributions from other qualified defined benefit or contribution plans (rollovers).
  • Additionally, participants age 50 or older who are making contributions to the Plan are allowed to make catch-up contributions, as defined in the Plan.
  • The Plan administrator will designate the investment election in the event the participant does not make an election for all or a portion of the contribution.
  • Participants enrolled in the Plan on or after January 1, 2017 have their deferral percentage increased by 1% annually to a maximum of 8% in accordance with Plan rules unless otherwise elected by the participant.
  • The Plan includes an auto-enrollment provision wherein all newly eligible employees are automatically enrolled in the Plan with a pretax contribution rate of 6% unless they affirmatively elect not to participate in the Plan.
  • The Company matches 100% of the first 4% of qualifying compensation that a participant contributes to the Plan and 50% of the participant’s salary deferral contributions between 4% and 8% of qualifying compensation.
  • Additional profit-sharing contributions can be made at the discretion of the Company.
  • No profit-sharing contributions were made for the year ended December 31, 2024.
  • Participants are immediately vested in their contributions plus actual earnings thereon.
  • Vesting in the Company contributions portion of their accounts is based on years of continuous service.
  • A participant is 100% cliff vested after two 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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