ARMSTRONG TRANSPORT GROUP RETIREMENT PLAN Contribution & Employer Match

How ARMSTRONG TRANSPORT GROUP, LLC Supports Your Retirement Savings

ARMSTRONG TRANSPORT GROUP, LLC provides retirement savings benefits through ARMSTRONG TRANSPORT GROUP RETIREMENT 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.

ARMSTRONG TRANSPORT GROUP RETIREMENT PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for ARMSTRONG TRANSPORT GROUP RETIREMENT PLAN is $21,126.00

ARMSTRONG TRANSPORT GROUP RETIREMENT PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for ARMSTRONG TRANSPORT GROUP RETIREMENT PLAN is $8,676.00. 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.
555,264.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 8,676.00 in ARMSTRONG TRANSPORT GROUP RETIREMENT PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in ARMSTRONG TRANSPORT GROUP RETIREMENT 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.

ARMSTRONG TRANSPORT GROUP RETIREMENT PLAN Total Employer Contribution and Match Rate

In 2024, ARMSTRONG TRANSPORT GROUP RETIREMENT PLAN allocates $733,669.00 to match its employees’ contributions, providing an employer match rate of 52.52% of their contributions

ARMSTRONG TRANSPORT GROUP RETIREMENT PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in ARMSTRONG TRANSPORT GROUP RETIREMENT PLAN is approximately $2,278.00
Investing in this additonal $2,278.00 for 20 years would give you extra $145,822.00, 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.

ARMSTRONG TRANSPORT GROUP RETIREMENT PLAN Contribution & Match Policy

ARMSTRONG TRANSPORT GROUP RETIREMENT PLAN Plan Policies

ARMSTRONG TRANSPORT GROUP RETIREMENT PLAN Contribution, Match and Other Plan Policies

  • Participants may voluntarily contribute any percentage of their base compensation, as defined by the Plan, not to exceed $23,000 in 2024 and $22,500 in 2023, subject to certain discrimination tests prescribed by the Internal Revenue Code ("IRC").
  • Participants age 50 and over may elect to defer additional amounts ("catch-up") to the Plan.
  • Upon meeting the eligibility requirements, employees are auto-enrolled in the Plan at the beginning of the month at 3% and with an increase of 1% annually up to a maximum of 6%, unless they decline to participate.
  • The Company provides for a safe-harbor matching contribution equal to 100% of the first 1% and 50% of the next 2%-6% of the participant’s compensation applied to all participants on a uniform basis.

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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