FOAM SEAL, INC. 401(K) PLAN Contribution & Employer Match

How FOAM SEAL, INC. Supports Your Retirement Savings

FOAM SEAL, INC. provides retirement savings benefits through FOAM SEAL, INC. 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.

FOAM SEAL, INC. 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for FOAM SEAL, INC. 401(K) PLAN is $38,718.00

FOAM SEAL, INC. 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for FOAM SEAL, INC. 401(K) PLAN is $4,752.00. 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.
304,129.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,752.00 in FOAM SEAL, INC. 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in FOAM SEAL, INC. 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.

FOAM SEAL, INC. 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, FOAM SEAL, INC. 401(K) PLAN allocates $384,354.00 to match its employees’ contributions, providing an employer match rate of 49.93% of their contributions

FOAM SEAL, INC. 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in FOAM SEAL, INC. 401(K) PLAN is approximately $2,147.00
Investing in this additonal $2,147.00 for 20 years would give you extra $137,422.00, 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.

FOAM SEAL, INC. 401(K) PLAN Contribution & Match Policy

FOAM SEAL, INC. 401(K) PLAN Plan Policies

FOAM SEAL, INC. 401(K) PLAN Contribution, Match and Other Plan Policies

  • Participants may defer between 1% and 100% of their compensation, up to the maximum amount allowed by law, to be contributed to the Plan by the Company.
  • Participants who have attained age 50 before the end of the Plan year are eligible to make catch up contributions, in accordance with Internal Revenue Service (IRS) guidelines.
  • Effective January 1, 2020, all newly eligible employees are automatically enrolled in the Plan at 3%, unless otherwise elected.
  • The automatic deferral percentage will increase the first day of each Plan year by 1% per year up to a maximum of 7% of compensation.
  • The Company makes safe harbor matching contributions to each eligible participant’s account by matching 100% of the first 3% and 50% of the next 2% of the participant’s elective deferral for the plan year.
  • All participants are 100% vested in all contributions made to 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:

 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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