ARAMCO U.S. SAVINGS PLAN Contribution & Employer Match

How ARAMCO SHARED BENEFITS COMPANY Supports Your Retirement Savings

ARAMCO SHARED BENEFITS COMPANY provides retirement savings benefits through ARAMCO U.S. 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.

ARAMCO U.S. SAVINGS PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for ARAMCO U.S. SAVINGS PLAN is $770,487.00

ARAMCO U.S. SAVINGS PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for ARAMCO U.S. SAVINGS PLAN is $12,093.00. 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.
774,001.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 12,093.00 in ARAMCO U.S. SAVINGS PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in ARAMCO U.S. 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.

ARAMCO U.S. SAVINGS PLAN Total Employer Contribution and Match Rate

In 2024, ARAMCO U.S. SAVINGS PLAN allocates $34,602,000.00 to match its employees’ contributions, providing an employer match rate of 74.32% of their contributions

ARAMCO U.S. SAVINGS PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in ARAMCO U.S. SAVINGS PLAN is approximately $9,227.00
Investing in this additonal $9,227.00 for 20 years would give you extra $590,540.00, 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.

ARAMCO U.S. SAVINGS PLAN Contribution & Match Policy

ARAMCO U.S. SAVINGS PLAN Plan Policies

ARAMCO U.S. SAVINGS PLAN Contribution, Match and Other Plan Policies

  • A participant may elect to contribute 2% to 50% of his or her Monthly Benefits Base (as defined in the plan document).
  • Employees who are 50 years of age or older as of the end of any calendar year may elect to make additional "catch up" contributions as permitted under the Internal Revenue Code ("IRC").
  • Unless an employee elects not to participate in the Plan, the employee automatically becomes a participant in the Plan.
  • If no contribution election is made, employees will, by default, be enrolled in the Plan with a 9% contribution rate.
  • The Employer matches 100% of the employee’s contributions up to a maximum of 9% of the employee’s Monthly Benefits Base.
  • For each Company Fixed Contributions-Eligible Employee who is an Employee of Aramco Trading Americas LLC, the Company will make contributions equal to 13% of the Employee’s Monthly Benefits Base Earnings, regardless of the Employee’s Contributions, as well as a matching contribution equal to 100% of the employee’s current monthly contribution, up to a maximum matching contribution of 4% of Monthly Benefits Base Earnings.
  • Employees hired by the plan sponsor or certain participating associated companies on or after January 1, 2021 are not eligible to participate in the Retirement Income Plan ("RIP") and instead will receive an enhanced Savings Plan contribution of 5% fixed employer contribution, regardless of the employee’s contribution, as well as a matching contribution equal to 100% of the employee’s current contributions, up to a maximum matching contribution of 4% of eligible compensation.
  • participants are fully vested in all contributions and earnings from the initial date of their participation in the Plan

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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