J. DERENZO CO. 401(K) PROFIT SHARING PLAN Contribution & Employer Match

How J. DERENZO CO. Supports Your Retirement Savings

J. DERENZO CO. provides retirement savings benefits through J. DERENZO CO. 401(K) 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.

J. DERENZO CO. 401(K) PROFIT SHARING PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for J. DERENZO CO. 401(K) PROFIT SHARING PLAN is $130,964.00

J. DERENZO CO. 401(K) PROFIT SHARING PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for J. DERENZO CO. 401(K) PROFIT SHARING PLAN is $5,471.00. 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.
350,155.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 5,471.00 in J. DERENZO CO. 401(K) PROFIT SHARING PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in J. DERENZO CO. 401(K) 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.

J. DERENZO CO. 401(K) PROFIT SHARING PLAN Total Employer Contribution and Match Rate

In 2024, J. DERENZO CO. 401(K) PROFIT SHARING PLAN allocates $271,902.00 to match its employees’ contributions, providing an employer match rate of 36.41% of their contributions

J. DERENZO CO. 401(K) PROFIT SHARING PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in J. DERENZO CO. 401(K) PROFIT SHARING PLAN is approximately $2,075.00
Investing in this additonal $2,075.00 for 20 years would give you extra $132,837.00, 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.

J. DERENZO CO. 401(K) PROFIT SHARING PLAN Contribution & Match Policy

J. DERENZO CO. 401(K) PROFIT SHARING PLAN Plan Policies

J. DERENZO CO. 401(K) PROFIT SHARING PLAN Contribution, Match and Other Plan Policies

  • Each year, participants may contribute an amount up to a certain percentage of pretax annual compensation, as defined by the Plan, subject to limits set by the Internal Revenue Code (IRC).
  • Participants who have attained the age of 50 before the end of the Plan year are eligible to make catch-up contributions.
  • For the year ended December 31, 2024, the matching contribution was 100% of each participant’s pre-tax contribution, up to 3% of eligible compensation as defined in the Plan document.
  • Participants are immediately 100% vested in their contributions, plus investment earnings from their contributions.
  • Vesting in the Company matching contributions and discretionary contributions portion of participants’ accounts (plus actual earnings thereon) accrue at a rate of 33% per year, beginning after one year of service, until a participant becomes fully vested at the end of three years.

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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