JAMCO RETIREMENT PLAN Contribution & Employer Match
How JAMCO AMERICA INC. Supports Your Retirement Savings
JAMCO AMERICA INC. provides retirement savings benefits through JAMCO RETIREMENT 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.
JAMCO RETIREMENT PLAN Average Participant Retirement Account Value
JAMCO RETIREMENT PLAN Estimated Average Employee Contribution Amount
249,219.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,894.00 in JAMCO RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in JAMCO RETIREMENT 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.
JAMCO RETIREMENT PLAN Total Employer Contribution and Match Rate
JAMCO RETIREMENT PLAN Estimated Average Employer Match
Investing in this additonal $1,847.00 for 20 years would give you extra $118,246.00, 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.
JAMCO RETIREMENT PLAN Contribution & Match Policy
JAMCO RETIREMENT PLAN Contribution, Match and Other Plan Policies
- All eligible participants are automatically enrolled in the Plan to make deferral contributions equal to 2% of eligible compensation.
- The Plan increases the automatic contribution 1% annually, up to a maximum of 8% of eligible compensation.
- Participants may cancel or change the automatic contribution at any time.
- Automatic contribution cancellations expire each year, and participants are automatically re-enrolled in the Plan, unless participant cancels or changes the deferral contribution.
- Participants who have attained age 50 before the end of the plan year are eligible to make catch-up contributions.
- For the year ended December 31, 2024, the Company elected to match 100% of deferrals of the first 2% of eligible compensation plus 50% of the next 6% of eligible compensation that a participant contributes.
- Participants are immediately vested in their contributions plus actual earnings thereon. Vesting in the Company’s contribution portion of their accounts is based on years of continuous service as follows: Years of Service Percentage
- Less than 2 years: 0%
- 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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