F & P AMERICA MANUFACTURING, INC. RETIREMENT SAVINGS PLAN Contribution & Employer Match

How F & P AMERICA MANUFACTURING, INC. Supports Your Retirement Savings

F & P AMERICA MANUFACTURING, INC. provides retirement savings benefits through F & P AMERICA MANUFACTURING, INC. RETIREMENT 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.

F & P AMERICA MANUFACTURING, INC. RETIREMENT SAVINGS PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for F & P AMERICA MANUFACTURING, INC. RETIREMENT SAVINGS PLAN is $58,292.00

F & P AMERICA MANUFACTURING, INC. RETIREMENT SAVINGS PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for F & P AMERICA MANUFACTURING, INC. RETIREMENT SAVINGS PLAN is $2,734.00. 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.
175,003.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,734.00 in F & P AMERICA MANUFACTURING, INC. RETIREMENT SAVINGS PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in F & P AMERICA MANUFACTURING, INC. RETIREMENT 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.

F & P AMERICA MANUFACTURING, INC. RETIREMENT SAVINGS PLAN Total Employer Contribution and Match Rate

In 2024, F & P AMERICA MANUFACTURING, INC. RETIREMENT SAVINGS PLAN allocates $1,983,855.00 to match its employees’ contributions, providing an employer match rate of 48.79% of their contributions

F & P AMERICA MANUFACTURING, INC. RETIREMENT SAVINGS PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in F & P AMERICA MANUFACTURING, INC. RETIREMENT SAVINGS PLAN is approximately $1,454.00
Investing in this additonal $1,454.00 for 20 years would give you extra $93,084.00, 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.

F & P AMERICA MANUFACTURING, INC. RETIREMENT SAVINGS PLAN Contribution & Match Policy

F & P AMERICA MANUFACTURING, INC. RETIREMENT SAVINGS PLAN Plan Policies

F & P AMERICA MANUFACTURING, INC. RETIREMENT SAVINGS PLAN Contribution, Match and Other Plan Policies

  • The Plan provides for employee salary deferral contributions up to 90 percent of annual compensation subject to maximum tax-deferred limitations established by the Internal Revenue Code.
  • The Plan allows participants to contribute up to 90 percent of their compensation on an after-tax basis.
  • Eligible employees are automatically enrolled in the Plan at a deferral rate of 5 percent of pretax annual compensation with automatic escalation of 1 percent each year, up to a maximum of 10 percent of eligible compensation.
  • Participants may affirmatively elect a different percentage or elect not to make elective deferral contributions.
  • Participants may also make contributions to the Plan in the form of a rollover of funds from another qualified plan.
  • The Company is required to make safe harbor matching contributions of 100 percent of the first 3 percent and 50 percent of the next 2 percent of annual compensation deferred by the participant.
  • Participants are immediately 100 percent vested in employee contributions, rollover contributions, and employer safe harbor matching contributions and any income or loss thereon.
  • Vesting in the Company’s discretionary contribution portion of their accounts, plus actual earnings thereon, is based on years of service.
  • Participants become 100 percent vested in discretionary contributions made by the plan sponsor after attaining 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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