JRL COAL, INC. 401(K) Contribution & Employer Match
How JRL COAL, INC. Supports Your Retirement Savings
JRL COAL, INC. provides retirement savings benefits through JRL COAL, INC. 401(K). 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.
JRL COAL, INC. 401(K) Average Participant Retirement Account Value
JRL COAL, INC. 401(K) Estimated Average Employee Contribution Amount
110,407.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 1,725.00 in JRL COAL, INC. 401(K), assuming a 10%* annual return.
* Data are from public filings.
Employer Match in JRL COAL, INC. 401(K)
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.
JRL COAL, INC. 401(K) Total Employer Contribution and Match Rate
JRL COAL, INC. 401(K) Estimated Average Employer Match
Investing in this additonal $918.00 for 20 years would give you extra $58,801.00, 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.
JRL COAL, INC. 401(K) Contribution & Match Policy
1. Employee Contribution Rates: Participants may contribute pretax annual compensation, up to $19,500 if under 50 years of age, and $26,000 if 50 years of age or older.
2. Employer Match/Contribution Conditions: The employer will make matching contributions equal to 100% of the first 3% and 50% of the next 2% of eligible compensation that a participant contributes.
3. Vesting Schedule/Eligibility: Each participant is 100% vested at all times in salary reduction contributions and employer-matching contributions. Employees are eligible to participate upon reaching age 21 and completing one consecutive year of employment; they are also eligible for employer contributions starting from the eligibility date.
JRL COAL, INC. 401(K) Maximum Match Calculator
This calculator helps to decide what’s the minimum contribution you have to maximize your employer match.
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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