INGRAM READYMIX, INC. PROFIT SHARING PLAN Contribution & Employer Match

How INGRAM READYMIX, INC. Supports Your Retirement Savings

INGRAM READYMIX, INC. provides retirement savings benefits through INGRAM READYMIX, INC. PROFIT SHARING 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.

INGRAM READYMIX, INC. PROFIT SHARING PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for INGRAM READYMIX, INC. PROFIT SHARING PLAN is $30,016.00

INGRAM READYMIX, INC. PROFIT SHARING PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for INGRAM READYMIX, INC. PROFIT SHARING PLAN is $3,582.00. 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.
229,256.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,582.00 in INGRAM READYMIX, INC. PROFIT SHARING PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in INGRAM READYMIX, INC. PROFIT SHARING 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.

INGRAM READYMIX, INC. PROFIT SHARING PLAN Total Employer Contribution and Match Rate

In 2024, INGRAM READYMIX, INC. PROFIT SHARING PLAN allocates $1,329,268.00 to match its employees’ contributions, providing an employer match rate of 46.36% of their contributions

INGRAM READYMIX, INC. PROFIT SHARING PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in INGRAM READYMIX, INC. PROFIT SHARING PLAN is approximately $1,627.00
Investing in this additonal $1,627.00 for 20 years would give you extra $104,128.00, 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.

INGRAM READYMIX, INC. PROFIT SHARING PLAN Contribution & Match Policy

INGRAM READYMIX, INC. PROFIT SHARING PLAN Plan Policies

INGRAM READYMIX, INC. PROFIT SHARING PLAN Contribution, Match and Other Plan Policies

  • Participants may contribute from 1% to 90% of compensation.
  • Upon eligibility, unless an affirmative election is made to not contribute, an automatic deferral amount of 3% of compensation for each pay period will be withheld.
  • An escalation of 1% of the deferral amount will be applied each year up to a maximum of 10%.
  • For 2024 and 2023, the Company will match 100% of the participant contributions up to the first 2% of their compensation, plus 50% of any additional participant contributions up to the next 3% of their compensation.
  • Vesting schedule: End of second year: 20% End of third year: 40% End of fourth year: 60% End of fifth year: 80% End of sixth year: 100% Participants are immediately vested in their contributions plus actual earnings thereon.
  • Vesting in the Company’s matching and discretionary contribution portion of their accounts plus actual earnings thereon is based on years of continuous 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:

 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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