BMD 401(K) PLAN Contribution & Employer Match

How BUILDING MATERIALS DISTRIBUTOR, INC. Supports Your Retirement Savings

BUILDING MATERIALS DISTRIBUTOR, INC. provides retirement savings benefits through BMD 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.

BMD 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for BMD 401(K) PLAN is $34,351.00

BMD 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for BMD 401(K) PLAN is $5,520.00. 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.
353,343.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 5,520.00 in BMD 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in BMD 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.

BMD 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, BMD 401(K) PLAN allocates $10,081.00 to match its employees’ contributions, providing an employer match rate of 0.20% of their contributions

BMD 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in BMD 401(K) PLAN is approximately $9.00
Investing in this additonal $9.00 for 20 years would give you extra $577.00, 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.

BMD 401(K) PLAN Contribution & Match Policy

BMD 401(K) PLAN Plan Policies

BMD 401(K) PLAN Contribution, Match and Other Plan Policies

  • The Plan includes an auto-enrollment provision whereby all newly eligible employees are automatically enrolled in the Plan unless they affirmatively elect not to participate in the Plan.
  • Automatically enrolled participants have their deferral rate set at 3% of eligible compensation.
  • The Plan applies a 1% automatic elective deferral rate increase on the anniversary of a participant’s Plan entry date each year until an elective deferral percentage of 6% is reached.
  • Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
  • Qualified Automatic Contribution Arrangement (QACA) Safe Harbor Matching Contributions: The Company makes matching contributions in an amount equal to 100% of elective deferral contributions that are not over 2% of compensation, plus 50% of elective deferral contributions that are over 2% of compensation but are not over 6% of compensation.
  • Participants are 100% vested in their elective salary deferral contribution, rollover contributions and employer qualified non-elective contributions.
  • Employees are subject to a two year cliff vesting period where they are 100% vested after two years of service for employer QACA safe harbor matching contributions.
  • Employer discretionary contributions vest 20% after two years and another 20% per year over a six year period.

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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