APPVION, LLC RETIREMENT SAVINGS PLAN Contribution & Employer Match
How APPVION, LLC Supports Your Retirement Savings
APPVION, LLC provides retirement savings benefits through APPVION, LLC RETIREMENT SAVINGS 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.
APPVION, LLC RETIREMENT SAVINGS PLAN Average Participant Retirement Account Value
APPVION, LLC RETIREMENT SAVINGS PLAN Estimated Average Employee Contribution Amount
753,855.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 11,778.00 in APPVION, LLC RETIREMENT SAVINGS PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in APPVION, LLC RETIREMENT SAVINGS 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.
APPVION, LLC RETIREMENT SAVINGS PLAN Total Employer Contribution and Match Rate
APPVION, LLC RETIREMENT SAVINGS PLAN Estimated Average Employer Match
Investing in this additonal $4,320.00 for 20 years would give you extra $276,504.00, 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.
APPVION, LLC RETIREMENT SAVINGS PLAN Contribution & Match Policy
APPVION, LLC RETIREMENT SAVINGS PLAN Contribution, Match and Other Plan Policies
- All eligible employees are automatically enrolled in the Plan and pre-tax contributions are withheld at 4% of eligible compensation, unless the employee elects otherwise.
- Participants may elect to contribute pre-tax and/or Roth contributions of up to 50% of eligible annual compensation, as defined in the Plan document, not to exceed $23,000 in 2024 plus an additional $7,500 catch-up deferral for eligible employees who have attained age 50 prior to the end of the Plan year.
- For non-bargaining employees, the Company makes a safe harbor matching contribution equal to 100% of a participant’s contributions to the Plan to the extent the contributions do not exceed 5% of their eligible compensation.
- For bargaining employees, the Company makes a matching contribution of 100% of a participant’s contributions for up to 3% of eligible compensation, plus an additional 50% of the next 2% of eligible compensation.
- Participants are vested immediately in their contributions plus actual earnings thereon.
- A participant is fully vested upon reaching early or normal retirement age, death, or permanent disability.
- Non-bargaining employees are also vested immediately in employer contributions.
- Employer contributions and earnings thereon for bargaining employees hired prior to June 14, 2023 vest 20% per year upon completion of the first two years of service and become fully vested following completion of three years of service.
- Employer contributions and earnings thereon for bargaining employees hired after June 14, 2023 vest 20% per year of service and are fully vested after five years of 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:
| 2024 | 2025 | |
|---|---|---|
| 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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