ARC3 GASES, INC. 401(K) PLAN Contribution & Employer Match
How ARC3 GASES, INC. Supports Your Retirement Savings
ARC3 GASES, INC. provides retirement savings benefits through ARC3 GASES, 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.
ARC3 GASES, INC. 401(K) PLAN Average Participant Retirement Account Value
ARC3 GASES, INC. 401(K) PLAN Estimated Average Employee Contribution Amount
383,630.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 5,994.00 in ARC3 GASES, INC. 401(K) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in ARC3 GASES, 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.
ARC3 GASES, INC. 401(K) PLAN Total Employer Contribution and Match Rate
ARC3 GASES, INC. 401(K) PLAN Estimated Average Employer Match
Investing in this additonal $2,929.00 for 20 years would give you extra $187,465.00, 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.
ARC3 GASES, INC. 401(K) PLAN Contribution & Match Policy
ARC3 GASES, INC. 401(K) PLAN Contribution, Match and Other Plan Policies
- Upon employment, participants may contribute up to 99% of pre-tax and/or after-tax compensation for the plan year, as defined by the Plan.
- The Plan contains an auto enrollment provision which automatically enrolls new participants at a 3% deferral rate that automatically increases 1% each succeeding plan year.
- Participants who have attained age 50 before the end of the plan year are eligible to make catch-up contributions.
- The Company contributes a safe harbor 100% match of the first 3% of eligible compensation plus50% of the next 3% of eligible compensation deferred.
- Prior to January 1, 2015, participant contributions and employer safe harbor contributions were automatically 100% vested plus actual earnings thereon.
- Effective January 1, 2015, vesting on safe harbor contributions and additional matching contributions are based on a 2-year cliff with a 1,000 required hours in each calendar year.
- Vesting of non-elective contributions and transition contributions funded through February 28, 2013 are vested 20% after 1 year of service with 20% incremental increases each year until 100% vested after five years of service.
- Participants will automatically become 100% vested upon attainment of normal retirement age, retirement due to disability, upon death or upon the termination of 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:
| 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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