JONES DAIRY FARM THRIFT PLAN Contribution & Employer Match

How JONES DAIRY FARM Supports Your Retirement Savings

JONES DAIRY FARM provides retirement savings benefits through JONES DAIRY FARM THRIFT 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.

JONES DAIRY FARM THRIFT PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for JONES DAIRY FARM THRIFT PLAN is $162,739.00

JONES DAIRY FARM THRIFT PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for JONES DAIRY FARM THRIFT PLAN is $7,031.00. 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.
450,013.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 7,031.00 in JONES DAIRY FARM THRIFT PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in JONES DAIRY FARM THRIFT 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.

JONES DAIRY FARM THRIFT PLAN Total Employer Contribution and Match Rate

In 2024, JONES DAIRY FARM THRIFT PLAN allocates $585,290.00 to match its employees’ contributions, providing an employer match rate of 43.69% of their contributions

JONES DAIRY FARM THRIFT PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in JONES DAIRY FARM THRIFT PLAN is approximately $3,032.00
Investing in this additonal $3,032.00 for 20 years would give you extra $194,085.00, 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.

JONES DAIRY FARM THRIFT PLAN Contribution & Match Policy

JONES DAIRY FARM THRIFT PLAN Plan Policies

JONES DAIRY FARM THRIFT PLAN Contribution, Match and Other Plan Policies

  • Eligible participants are permitted to elect to have a percentage, limited by Plan provisions, of their compensation contributed as pre-tax 401(k) or Roth contributions to the Plan.
  • The Plan includes an auto-enrollment provision whereby all newly eligible employees are automatically enrolled in the Plan unless they affirmatively elect not to participate in the Plan.
  • Effective February 19, 2024, automatically enrolled participants have their deferral rate set at 5.5% of eligible compensation.
  • Prior to February 19, 2024, automatically enrolled participants had their deferral rate set at 5%.
  • The contributions of automatically enrolled participants are invested in the designated default fund until changed by the participant.
  • Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
  • The Company makes a nondiscretionary matching contribution to eligible participants equal to 50% of salary deferral contributions, limited to 2.75% of eligible compensation, for participants with 1 to 20 years of service, and 100% of salary deferral contributions, limited to 5.5% of eligible compensation, for participants with 20 or more years of service.
  • The balance in a participant’s account relating to Company contributions becomes 20% vested after two years of credited service and such vesting increases ratably to 100% after six years.
  • All participant contributions are immediately fully vested.
  • Participant accounts are 100% vested upon retirement, disability, or death.

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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