I.A.T.S.E. LOCAL 13 RETIREMENT PLAN & TRUST Contribution & Employer Match

How TRUSTEES OF I.A.T.S.E. LOCAL 13 RETIREMENT PLAN & TRUST Supports Your Retirement Savings

TRUSTEES OF I.A.T.S.E. LOCAL 13 RETIREMENT PLAN & TRUST provides retirement savings benefits through I.A.T.S.E. LOCAL 13 RETIREMENT PLAN & TRUST. 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.

I.A.T.S.E. LOCAL 13 RETIREMENT PLAN & TRUST Average Participant Retirement Account Value

In 2024, the average participant retirement account value for I.A.T.S.E. LOCAL 13 RETIREMENT PLAN & TRUST is $18,231.00

I.A.T.S.E. LOCAL 13 RETIREMENT PLAN & TRUST Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for I.A.T.S.E. LOCAL 13 RETIREMENT PLAN & TRUST is $530.00. 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.
33,976.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 530.00 in I.A.T.S.E. LOCAL 13 RETIREMENT PLAN & TRUST, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in I.A.T.S.E. LOCAL 13 RETIREMENT PLAN & TRUST

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.

I.A.T.S.E. LOCAL 13 RETIREMENT PLAN & TRUST Total Employer Contribution and Match Rate

In 2024, I.A.T.S.E. LOCAL 13 RETIREMENT PLAN & TRUST allocates $1,227,546.00 to match its employees’ contributions, providing an employer match rate of 166.47% of their contributions

I.A.T.S.E. LOCAL 13 RETIREMENT PLAN & TRUST Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in I.A.T.S.E. LOCAL 13 RETIREMENT PLAN & TRUST is approximately $841.00
Investing in this additonal $841.00 for 20 years would give you extra $53,847.00, 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.

I.A.T.S.E. LOCAL 13 RETIREMENT PLAN & TRUST Contribution & Match Policy

I.A.T.S.E. LOCAL 13 RETIREMENT PLAN & TRUST Plan Policies

I.A.T.S.E. LOCAL 13 RETIREMENT PLAN & TRUST Contribution, Match and Other Plan Policies

  • Each year, eligible participants may contribute a percentage of pre-tax annual compensation, as defined by the Plan and subject to Internal Revenue Code limitations.
  • Employer contributions to the Plan are primarily made under various negotiated collective bargaining agreements.
  • Contribution rates may vary by employer; however, the contribution rate for the majority of the employers during the years ended December 31, 2024 and 2023 ranged from 3% to 10% of gross wages.
  • Participants are fully vested in their individual accounts on the date a contribution is first received on their behalf.

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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