GRANITE GROUP 401(K) PEP Contribution & Employer Match

How GRANITE GROUP RETIREMENT LLC Supports Your Retirement Savings

GRANITE GROUP RETIREMENT LLC provides retirement savings benefits through GRANITE GROUP 401(K) PEP. 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.

GRANITE GROUP 401(K) PEP Average Participant Retirement Account Value

In 2024, the average participant retirement account value for GRANITE GROUP 401(K) PEP is $59,410.00

GRANITE GROUP 401(K) PEP Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for GRANITE GROUP 401(K) PEP is $5,320.00. 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.
340,482.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 5,320.00 in GRANITE GROUP 401(K) PEP, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in GRANITE GROUP 401(K) PEP

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.

GRANITE GROUP 401(K) PEP Total Employer Contribution and Match Rate

In 2024, GRANITE GROUP 401(K) PEP allocates $508,875.00 to match its employees’ contributions, providing an employer match rate of 53.59% of their contributions

GRANITE GROUP 401(K) PEP Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in GRANITE GROUP 401(K) PEP is approximately $1,425.00
Investing in this additonal $1,425.00 for 20 years would give you extra $91,226.00, 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.

GRANITE GROUP 401(K) PEP Contribution & Match Policy

GRANITE GROUP 401(K) PEP Plan Policies

GRANITE GROUP 401(K) PEP Contribution, Match and Other Plan Policies

  • Each year, participants may contribute up to the lesser of 100% of their compensation or the dollar limitation set forth in Section 402(g) of the IRC in effect at the beginning of each Plan year.
  • Contributions may be made on a pre-tax basis, an after-tax basis (Roth deferral contributions), or a combination of the two.
  • Eligible employees who have attained age 50 before the close of the Plan year may make catch-up contributions, up to the maximum allowed by the IRC, if permitted by the Participating Employer’s Multiple Employer Participation Agreement (PPA).
  • If elected by the Participating Employer, newly eligible employees are automatically enrolled in the Plan unless they affirmatively elect not to participate in the Plan.
  • Participating Employers may make matching contributions (Employer matching contributions) that may or may not be discretionary and vary by Participating Employer.
  • An Employer matching contribution is generally made on a pay-period basis and based on the employee’s deferral up to a varying limited percent of compensation.
  • Participants are immediately vested in the value of their salary deferral, rollover contributions, and related investment earnings.
  • Employer contributions vest based on schedules specific to each Participating Employer and range from immediate vesting to a graduated vesting schedule over a six-year period.
  • Participants must be credited with a minimum of 1,000 hours of service during a Plan year to complete a year of vested service.
  • A participant will become fully vested in Employer contributions, regardless of length of service, in the event of death or disability.

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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