ANDERSON CONCRETE CORPORATION RETIREMENT SAVINGS PLAN AND TRUST Contribution & Employer Match

ANDERSON CONCRETE CORPORATION RETIREMENT SAVINGS PLAN AND TRUST Average Participant Retirement Account Value

ANDERSON CONCRETE CORPORATION RETIREMENT SAVINGS PLAN AND TRUST Estimated Average Employee Contribution Amount

• The Plan provides for employee salary 401(k) contributions up to a maximum of 50 percent of annual compensation subject to maximum tax-deferred limitations established by the Internal Revenue Code.
• Participants may also make contributions to the Plan in the form of a rollover of funds from another qualified plan.
• The Plan provides for automatic deferrals of employee salary contributions for newly hired employees equal to 3 percent of an employee’s eligible compensation.
• Additionally, for participants under an automatic contribution agreement, the Plan provides for annual automatic increase in deferrals of 1 percent of plan compensation, not to exceed 10 percent of plan compensation.

• The Plan provides for discretionary employer matching contributions.
• For the year ended December 31, 2024, no employer match was paid.

• Participants are immediately 100 percent vested in employee salary and rollover contributions and any income or loss thereon.
• Vesting in the Company’s contribution portion of their accounts, plus actual earnings thereon, is based on years of service.
• Participants vest in contributions made by the Company 25 percent after two years of service, 40 percent after three years of service, 60 percent after four years of service, 80 percent after five years of service, and 100 percent after six years of service.