JRM CONSTRUCTION MANAGEMENT 401(K) PLAN Contribution & Employer Match

How JRM CONSTRUCTION MANAGEMENT, LLC Supports Your Retirement Savings

JRM CONSTRUCTION MANAGEMENT, LLC provides retirement savings benefits through JRM CONSTRUCTION MANAGEMENT 401(K) 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.

JRM CONSTRUCTION MANAGEMENT 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for JRM CONSTRUCTION MANAGEMENT 401(K) PLAN is $65,750.00

JRM CONSTRUCTION MANAGEMENT 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for JRM CONSTRUCTION MANAGEMENT 401(K) PLAN is $14,365.00. 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.
919,372.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 14,365.00 in JRM CONSTRUCTION MANAGEMENT 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in JRM CONSTRUCTION MANAGEMENT 401(K) 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.

JRM CONSTRUCTION MANAGEMENT 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, JRM CONSTRUCTION MANAGEMENT 401(K) PLAN allocates $846,448.00 to match its employees’ contributions, providing an employer match rate of 14.46% of their contributions

JRM CONSTRUCTION MANAGEMENT 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in JRM CONSTRUCTION MANAGEMENT 401(K) PLAN is approximately $1,038.00
Investing in this additonal $1,038.00 for 20 years would give you extra $66,469.00, 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.

JRM CONSTRUCTION MANAGEMENT 401(K) PLAN Contribution & Match Policy

JRM CONSTRUCTION MANAGEMENT 401(K) PLAN Plan Policies

JRM CONSTRUCTION MANAGEMENT 401(K) PLAN Contribution, Match and Other Plan Policies

  • Each year, participants may contribute a percentage of their eligible annual compensation, as defined in the Plan, provided that such contributions do not exceed the limitations under the IRC for 2024 of $23,000, plus a maximum of $7,500 in catch-up contributions for participants who have attained age 50 before the end of the Plan year.
  • The Plan includes an auto-enrollment provision where all newly eligible employees are automatically enrolled in the Plan unless they affirmatively elect not to participate in the Plan.
  • Participants are automatically enrolled and have their deferral rate set at 2% for the period January 1, 2024 to January 31, 2024 and 3% for the period February 1, 2024 to December 31, 2024 of eligible compensation and their contributions are invested in a designated balanced fund until changed by the participant.
  • Participants are eligible for discretionary matching contributions upon the first day of calendar month of completion of three months of service beginning on the date of hire.
  • For the year ended December 31, 2024, the Sponsor made a discretionary matching contribution totaling $834,806, net of forfeitures, which was funded in April 2025.
  • Participants are immediately vested in their contributions plus actual earnings thereon.
  • Vesting in the Sponsor’s contribution portion of their accounts is based on years of continuous service as follows: Years of Service Vesting Percentage Less than three 0% Three or more 100% In addition, a participant becomes 100% vested in all allocated Sponsor contributions upon death, disability or the attainment of age 65 while employed by the Sponsor.

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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