INTEGRATED LINER TECHNOLOGIES 401(K) PROFIT SHARING PLAN & TRUST Contribution & Employer Match
How INTEGRATED LINER TECHNOLOGIES Supports Your Retirement Savings
INTEGRATED LINER TECHNOLOGIES provides retirement savings benefits through INTEGRATED LINER TECHNOLOGIES 401(K) PROFIT SHARING 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.
INTEGRATED LINER TECHNOLOGIES 401(K) PROFIT SHARING PLAN & TRUST Average Participant Retirement Account Value
INTEGRATED LINER TECHNOLOGIES 401(K) PROFIT SHARING PLAN & TRUST Estimated Average Employee Contribution Amount
316,800.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,950.00 in INTEGRATED LINER TECHNOLOGIES 401(K) PROFIT SHARING PLAN & TRUST, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in INTEGRATED LINER TECHNOLOGIES 401(K) PROFIT SHARING 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.
INTEGRATED LINER TECHNOLOGIES 401(K) PROFIT SHARING PLAN & TRUST Total Employer Contribution and Match Rate
INTEGRATED LINER TECHNOLOGIES 401(K) PROFIT SHARING PLAN & TRUST Estimated Average Employer Match
Investing in this additonal $2,444.00 for 20 years would give you extra $156,432.00, 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.
INTEGRATED LINER TECHNOLOGIES 401(K) PROFIT SHARING PLAN & TRUST Contribution & Match Policy
INTEGRATED LINER TECHNOLOGIES 401(K) PROFIT SHARING PLAN & TRUST Contribution, Match and Other Plan Policies
- Each year, participants may contribute a percentage of their pre-tax annual compensation, as defined by the Plan, subject to maximum limitations established by the Internal Revenue Code.
- In addition, participants have the option to elect to have after-tax contributions made to the Plan.
- After-tax contributions are included in a participant’s taxable gross income for the year in which the contribution is made.
- Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
- Participants may also contribute amounts representing distributions from other qualified defined benefit or contribution plans.
- The Company matches each participant’s elective deferrals by contributing 100% of the first 3% and 50% of the next 2% of compensation deferred.
- This contribution is intended to meet certain safe harbor requirements under the Internal Revenue Code.
- Discretionary company profit sharing contributions may be made at the option of the Company’s management.
- Contributions are subject to certain limitations.
- No discretionary profit sharing contributions were made in 2024 and 2023.
- Vesting schedule: Years of Service Percent
- Less than 2 years: 0%
- 2-3 years: 20%
- 3-4 years: 40%
- 4-5 years: 60%
- 5-6 years: 80%
- 6+ years: 100%
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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