FIVE STAR FABRICATING, INC. 401K SAVINGS PLAN Contribution & Employer Match

How FIVE STAR FABRICATING, INC. Supports Your Retirement Savings

FIVE STAR FABRICATING, INC. provides retirement savings benefits through FIVE STAR FABRICATING, INC. 401K 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.

FIVE STAR FABRICATING, INC. 401K SAVINGS PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for FIVE STAR FABRICATING, INC. 401K SAVINGS PLAN is $38,686.00

FIVE STAR FABRICATING, INC. 401K SAVINGS PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for FIVE STAR FABRICATING, INC. 401K SAVINGS PLAN is $2,888.00. 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.
184,891.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,888.00 in FIVE STAR FABRICATING, INC. 401K SAVINGS PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in FIVE STAR FABRICATING, INC. 401K 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.

FIVE STAR FABRICATING, INC. 401K SAVINGS PLAN Total Employer Contribution and Match Rate

In 2024, FIVE STAR FABRICATING, INC. 401K SAVINGS PLAN allocates $276,249.00 to match its employees’ contributions, providing an employer match rate of 51.83% of their contributions

FIVE STAR FABRICATING, INC. 401K SAVINGS PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in FIVE STAR FABRICATING, INC. 401K SAVINGS PLAN is approximately $1,160.00
Investing in this additonal $1,160.00 for 20 years would give you extra $74,285.00, 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.

FIVE STAR FABRICATING, INC. 401K SAVINGS PLAN Contribution & Match Policy

FIVE STAR FABRICATING, INC. 401K SAVINGS PLAN Plan Policies

FIVE STAR FABRICATING, INC. 401K SAVINGS PLAN Contribution, Match and Other Plan Policies

  • Participants may contribute a percentage of their compensation subject to certain limitations (elective deferral contributions).
  • The plan also permits Roth elective deferral contributions.
  • The plan has safe harbor provisions requiring the employer to make safe harbor matching contributions equal to 100% of the first 3% of compensation that a participant contributes to the plan and 50% of the next 2% of compensation that a participant contributes to the plan.
  • These contributions are funded coinciding with payroll.
  • Vesting schedule: Participants are always 100% vested in their elective deferral, rollover and employer safe harbor matching contributions and related earnings.
  • For any discretionary employer contributions and related earnings, participants begin vesting upon completing two years of service, at which time they are 20% vested.
  • The participant’s vesting then increases at the rate of 20% per year thereafter.
  • Upon death, disability or qualified retirement (defined as attaining age 60) while employed, participants become 100% vested.

FIVE STAR FABRICATING, INC. 401K SAVINGS PLAN Maximum Employer Match Calculator

This calculator helps participants of FIVE STAR FABRICATING, INC. 401K SAVINGS PLAN to calculate the minimal bi-weekly contribution that would generate the maximum employer match allowed. It takes into account IRS annual contribution limits. Please update the annual contribution limits below if they are outdated.

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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