BELLE TIRE DISTRIBUTORS, INC. 401(K) SALARY REDUCTION PLAN & TRUST Contribution & Employer Match

How BELLE TIRE DISTRIBUTORS, INC. Supports Your Retirement Savings

BELLE TIRE DISTRIBUTORS, INC. provides retirement savings benefits through BELLE TIRE DISTRIBUTORS, INC. 401(K) SALARY REDUCTION PLAN & TRUST. 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.

BELLE TIRE DISTRIBUTORS, INC. 401(K) SALARY REDUCTION PLAN & TRUST Average Participant Retirement Account Value

In 2024, the average participant retirement account value for BELLE TIRE DISTRIBUTORS, INC. 401(K) SALARY REDUCTION PLAN & TRUST is $25,226.00

BELLE TIRE DISTRIBUTORS, INC. 401(K) SALARY REDUCTION PLAN & TRUST Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for BELLE TIRE DISTRIBUTORS, INC. 401(K) SALARY REDUCTION PLAN & TRUST is $3,255.00. 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.
208,331.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,255.00 in BELLE TIRE DISTRIBUTORS, INC. 401(K) SALARY REDUCTION PLAN & TRUST, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in BELLE TIRE DISTRIBUTORS, INC. 401(K) SALARY REDUCTION PLAN & TRUST

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.

BELLE TIRE DISTRIBUTORS, INC. 401(K) SALARY REDUCTION PLAN & TRUST Total Employer Contribution and Match Rate

In 2024, BELLE TIRE DISTRIBUTORS, INC. 401(K) SALARY REDUCTION PLAN & TRUST allocates $1,070,206.00 to match its employees’ contributions, providing an employer match rate of 11.64% of their contributions

BELLE TIRE DISTRIBUTORS, INC. 401(K) SALARY REDUCTION PLAN & TRUST Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in BELLE TIRE DISTRIBUTORS, INC. 401(K) SALARY REDUCTION PLAN & TRUST is approximately $325.00
Investing in this additonal $325.00 for 20 years would give you extra $20,824.00, 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.

BELLE TIRE DISTRIBUTORS, INC. 401(K) SALARY REDUCTION PLAN & TRUST Contribution & Match Policy

BELLE TIRE DISTRIBUTORS, INC. 401(K) SALARY REDUCTION PLAN & TRUST Plan Policies

BELLE TIRE DISTRIBUTORS, INC. 401(K) SALARY REDUCTION PLAN & TRUST Contribution, Match and Other Plan Policies

  • Each year, participants may contribute up to 90% of their pretax annual compensation, as defined in the plan document, through payroll withholdings.
  • The Plan also allows participants to make after-tax Roth contributions.
  • Participants who have attained age 50 before the end of the year are eligible to make additional ‘catch-up’ contributions.
  • The Plan includes an automatic elective deferral feature whereby all new employees are automatically enrolled in the Plan at a 5% deferred contribution, upon meeting the eligibility requirements, unless electing otherwise.
  • In addition, the Plan has an automatic escalation clause for participants automatically enrolled which includes scheduled increases of deferral rates by 1% annually, effective during the first pay period in July of each year, until the deferral rate reaches 10%.
  • The Company may make discretionary matching contributions.
  • For the year ended December 31, 2024, the Company made discretionary matching contributions on behalf of the eligible participants in the amount of $1,084,889 (net of forfeitures).
  • The discretionary matching formula used by the Company for the year ended December 31, 2024 was 14% of eligible participant contributions.
  • The balance in each participant’s salary deferral and rollover accounts is 100% vested at all times.
  • Discretionary matching contributions are subject to a graded vesting schedule based on years of service.
  • A participant is 100% vested after three years of credited 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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