IRONROAD, INC. RETIREMENT SAVINGS PLAN Contribution & Employer Match
How IRONROAD, INC. Supports Your Retirement Savings
IRONROAD, INC. provides retirement savings benefits through IRONROAD, INC. RETIREMENT SAVINGS 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.
IRONROAD, INC. RETIREMENT SAVINGS PLAN Average Participant Retirement Account Value
IRONROAD, INC. RETIREMENT SAVINGS PLAN Estimated Average Employee Contribution Amount
199,765.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,121.00 in IRONROAD, INC. RETIREMENT SAVINGS PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in IRONROAD, INC. RETIREMENT SAVINGS 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.
IRONROAD, INC. RETIREMENT SAVINGS PLAN Total Employer Contribution and Match Rate
IRONROAD, INC. RETIREMENT SAVINGS PLAN Estimated Average Employer Match
Investing in this additonal $1,792.00 for 20 years would give you extra $114,705.00, 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.
IRONROAD, INC. RETIREMENT SAVINGS PLAN Contribution & Match Policy
IRONROAD, INC. RETIREMENT SAVINGS PLAN Contribution, Match and Other Plan Policies
- A participant may enter into a salary reduction agreement with the Company or any participating employer whereby the Company is authorized to reduce pre-tax or after-tax earnings (as defined in the Plan), or any part thereof, by such percentage as the participant shall specify.
- This salary reduction is subject to certain limitations as set by the Plan administrator and the Internal Revenue Service.
- NOT_FOUND – The text mentions the Plan allows for each participating employer to contribute a profit sharing amount and a matching contribution as determined by the respective Plan document, but no specific match formula is provided.
- NOT_FOUND – Vesting schedule not explicitly stated in the provided text.
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.
Get Key Insights for This Plan
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