GRANITE SOLUTIONS GROUPE 401K PLAN Contribution & Employer Match
How GRANITE SOLUTIONS GROUPE, INC. Supports Your Retirement Savings
GRANITE SOLUTIONS GROUPE, INC. provides retirement savings benefits through GRANITE SOLUTIONS GROUPE 401K 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.
GRANITE SOLUTIONS GROUPE 401K PLAN Average Participant Retirement Account Value
GRANITE SOLUTIONS GROUPE 401K PLAN Estimated Average Employee Contribution Amount
297,947.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,655.00 in GRANITE SOLUTIONS GROUPE 401K PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in GRANITE SOLUTIONS GROUPE 401K 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.
* 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 SOLUTIONS GROUPE 401K PLAN Contribution & Match Policy
GRANITE SOLUTIONS GROUPE 401K PLAN Contribution, Match and Other Plan Policies
- Participants may elect to have the Company contribute up to 90% of their eligible pre-tax compensation to the Plan subject to applicable Code limits.
- Participants of age 50 or older may elect to make up to $7,500 of additional catch-up contributions for 2024.
- Effective September 1, 2023, employees who do not make an affirmative election to defer compensation to the Plan, including an election not to defer, are automatically enrolled in the Plan at a deferral rate of 3% of eligible compensation.
- The Plan provides for discretionary employer matching and non-elective contributions.
- No Company contributions were made for the 2024 Plan year.
- Participants are 100% vested in their accounts.
- Provisions of the Plan provide for full vesting of Company matching and nonelective contributions, if any, after three years of 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:
| 2024 | 2025 | |
|---|---|---|
| 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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