ASHRAE SAVINGS AND INVESTMENT PLAN Contribution & Employer Match
How AMERICAN SOCIETY OF HEATING, REFRIGERATING & AIR-COND ENGINEERS, INC. Supports Your Retirement Savings
AMERICAN SOCIETY OF HEATING, REFRIGERATING & AIR-COND ENGINEERS, INC. provides retirement savings benefits through ASHRAE SAVINGS AND INVESTMENT 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.
ASHRAE SAVINGS AND INVESTMENT PLAN Average Participant Retirement Account Value
ASHRAE SAVINGS AND INVESTMENT PLAN Estimated Average Employee Contribution Amount
437,447.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 6,835.00 in ASHRAE SAVINGS AND INVESTMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in ASHRAE SAVINGS AND INVESTMENT 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.
ASHRAE SAVINGS AND INVESTMENT PLAN Total Employer Contribution and Match Rate
ASHRAE SAVINGS AND INVESTMENT PLAN Estimated Average Employer Match
Investing in this additonal $9,443.00 for 20 years would give you extra $604,375.00, 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.
ASHRAE SAVINGS AND INVESTMENT PLAN Contribution & Match Policy
ASHRAE SAVINGS AND INVESTMENT PLAN Contribution, Match and Other Plan Policies
- Participants may contribute from 2% up to 100% of their pre-tax annual compensation, as defined by the Plan, subject to certain limitations for highly compensated individuals.
- Participants who attained age 50 before the end of the Plan year may make additional catch-up contributions.
- Effective January 1, 2025, the Plan implemented the automatic enrollment feature in accordance with the requirements of the SECURE 2.0 Act.
- Unless participants elect to not defer or to defer another percentage or dollar amount, participants meeting the eligibility requirements, as described above, are automatically enrolled in the Plan at 6%.
- For employees with less than 10 years of service, the Company contributes 100% of salary deferral contributions up to 6% of compensation.
- For employees with 10 or more years of service, the Company contributes 125% of salary deferral contributions up to 6%.
- Participants are immediately vested in their voluntary contributions plus actual earnings thereon.
- Vesting in the Company’s matching and profit-sharing contributions portion of their accounts, plus actual earnings thereon, is based on years of service.
- A participant is fully vested after six years of service.
- Participants’ accounts also become fully vested upon death, disability, attainment of age 65, or 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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