INTREPID GROUP, INC. 401(K) PLAN Contribution & Employer Match

How INTREPID GROUP, INC. Supports Your Retirement Savings

INTREPID GROUP, INC. provides retirement savings benefits through INTREPID GROUP, INC. 401(K) 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.

INTREPID GROUP, INC. 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for INTREPID GROUP, INC. 401(K) PLAN is $133,538.00

INTREPID GROUP, INC. 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for INTREPID GROUP, INC. 401(K) PLAN is $7,923.00. 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.
507,121.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 7,923.00 in INTREPID GROUP, INC. 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in INTREPID GROUP, INC. 401(K) 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.

INTREPID GROUP, INC. 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, INTREPID GROUP, INC. 401(K) PLAN allocates $5,872,856.00 to match its employees’ contributions, providing an employer match rate of 194.79% of their contributions

INTREPID GROUP, INC. 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in INTREPID GROUP, INC. 401(K) PLAN is approximately $12,711.00
Investing in this additonal $12,711.00 for 20 years would give you extra $813,555.00, 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.

INTREPID GROUP, INC. 401(K) PLAN Contribution & Match Policy

INTREPID GROUP, INC. 401(K) PLAN Plan Policies

INTREPID GROUP, INC. 401(K) PLAN Contribution, Match and Other Plan Policies

  • Participant Salary Deferral – Each year, participants may contribute up to 100% of pretax annual compensation, as defined by the Plan, up to maximum amounts established by the Internal Revenue Service (IRS).
  • Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
  • Participant Roth Deferral – Participants may designate some or all of the salary deferral as a Roth Deferral at the time the participant makes his or her deferral election.
  • Employer Safe Harbor Contributions – The Company contributes a non-elective safe harbor contribution to all eligible employees in an amount equal to three percent of eligible compensation as defined by the Plan.
  • Employer Discretionary Contribution – The Company, at the discretion of the Company’s Board of Directors, may make discretionary contributions, as defined in the Plan document.
  • Participants are immediately vested in their elective deferrals.
  • Vesting in the Company’s discretionary and safe harbor contribution portions of participants’ accounts, plus actual earnings thereon, are based on years of continuous service.
  • A participant is 100% vested after five years of creditable 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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