AMMEGA 401(K) PLAN Contribution & Employer Match

How AMMEGA US INC. Supports Your Retirement Savings

AMMEGA US INC. provides retirement savings benefits through AMMEGA 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.

AMMEGA 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for AMMEGA 401(K) PLAN is $71,229.00

AMMEGA 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for AMMEGA 401(K) PLAN is $9,806.00. 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.
627,595.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 9,806.00 in AMMEGA 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in AMMEGA 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.

AMMEGA 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, AMMEGA 401(K) PLAN allocates $2,304,707.00 to match its employees’ contributions, providing an employer match rate of 38.28% of their contributions

AMMEGA 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in AMMEGA 401(K) PLAN is approximately $1,876.00
Investing in this additonal $1,876.00 for 20 years would give you extra $120,115.00, 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.

AMMEGA 401(K) PLAN Contribution & Match Policy

AMMEGA 401(K) PLAN Plan Policies

AMMEGA 401(K) PLAN Contribution, Match and Other Plan Policies

  • The Plan permits eligible employees through a salary deferral election to have the Company make annual contributions of up to 100% of eligible compensation.
  • Employee rollover contributions are also permitted.
  • Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
  • The Plan has an automatic enrollment feature whereby a participant is treated as electing to defer 6% of eligible compensation unless the participant makes an affirmative election otherwise.
  • The automatic deferral feature increases by 1% each year on January 1, up to a maximum of 10%.
  • For the years ended December 31, 2024 and 2023, the Company contributed a safe harbor contribution equal to 100% of each participant’s elective deferrals not exceeding 1% of the participant’s compensation, plus 50% of each participant’s elective deferrals in excess of 1% but not in excess of 6% of the participant’s compensation.
  • Participants are immediately vested in their voluntary contributions, including Roth deferrals and catch-up contributions, as well as prior safe harbor contributions, plus earnings thereon.
  • Participants vest in the employer’s contribution portion of their accounts plus earnings thereon based on a two-year cliff vesting schedule with the following exceptions.
  • For employees of the former Megadyne America LLC 401(k) Profit Sharing Plan (merged into the AMMEGA 401(k) Plan effective January 1, 2021), prior nonelective contributions are subject to a six-year graded vesting schedule.
  • Merging employer match balances in the Megadyne America LLC 401(k) Profit Sharing Plan made prior to January 1, 2021, will be 100% vested at all times.
  • For employees of the former Ammeraal/Chemoprene 401(k) Plan (merged into the AMMEGA 401(k) Plan effective January 1, 2021), employer matching and nonelective contributions are subject to a three-year cliff vesting schedule.
  • Prior employer matching and nonelective contributions for participants of the Ammeraal/Chemoprene 401(k) Plan will be 100% vested at all times.

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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