ARVIN SANGO, INC. & SUBSIDIARIES SAVINGS PLAN Contribution & Employer Match

How ARVIN SANGO, INC. AND SUBSIDIARIES Supports Your Retirement Savings

ARVIN SANGO, INC. AND SUBSIDIARIES provides retirement savings benefits through ARVIN SANGO, INC. & SUBSIDIARIES 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.

ARVIN SANGO, INC. & SUBSIDIARIES SAVINGS PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for ARVIN SANGO, INC. & SUBSIDIARIES SAVINGS PLAN is $72,428.00

ARVIN SANGO, INC. & SUBSIDIARIES SAVINGS PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for ARVIN SANGO, INC. & SUBSIDIARIES SAVINGS PLAN is $3,017.00. 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.
193,096.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,017.00 in ARVIN SANGO, INC. & SUBSIDIARIES SAVINGS PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in ARVIN SANGO, INC. & SUBSIDIARIES 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.

ARVIN SANGO, INC. & SUBSIDIARIES SAVINGS PLAN Total Employer Contribution and Match Rate

In 2024, ARVIN SANGO, INC. & SUBSIDIARIES SAVINGS PLAN allocates $3,484,269.00 to match its employees’ contributions, providing an employer match rate of 98.70% of their contributions

ARVIN SANGO, INC. & SUBSIDIARIES SAVINGS PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in ARVIN SANGO, INC. & SUBSIDIARIES SAVINGS PLAN is approximately $2,846.00
Investing in this additonal $2,846.00 for 20 years would give you extra $182,184.00, 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.

ARVIN SANGO, INC. & SUBSIDIARIES SAVINGS PLAN Contribution & Match Policy

ARVIN SANGO, INC. & SUBSIDIARIES SAVINGS PLAN Plan Policies

ARVIN SANGO, INC. & SUBSIDIARIES SAVINGS PLAN Contribution, Match and Other Plan Policies

  • The Plan permits eligible employees through a salary deferral election to have the Company make annual contributions of up to 85% of eligible compensation.
  • Employee Roth, catch-up and rollover contributions are also permitted.
  • The Plan Document also includes an automatic deferral feature whereby a participant is treated as electing to defer 6% of eligible compensation unless the participant made an affirmative election otherwise.
  • The automatic deferral feature does not provide for an annual increase in the percentage deferred.
  • The Company makes safe harbor contributions of 3% of employees’ eligible compensation, regardless whether an eligible employee has elected to participate.
  • Company nonelective and matching contributions are discretionary as determined by the Company’s Board of Directors annually.
  • The matching contributions elected for 2024 and 2023 was 70% on the first 2% of the participant’s eligible compensation plus 50% on the second 2% of the participant’s eligible compensation plus 30% on the third 2% of the participant’s eligible compensation.
  • Participants are immediately vested in their voluntary Company matching and safe harbor contributions plus earnings thereon.
  • Vesting in the Company’s nonelective discretionary contributions portion of their accounts and accounts that relate to their account balance from the Arvin Sango, Inc.
  • & Subsidiaries Money Purchase Pension Plan (Money Purchase Plan) plus earnings thereon is based on years of credited service.
  • A participant is fully vested 20% per year with 100% vesting after five years of credited service.
  • The nonvested balance is forfeited upon termination 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:

 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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