LEGACY FRUIT, LLC 401(K) PLAN AND TRUST Contribution & Employer Match

How LEGACY FRUIT, LLC Supports Your Retirement Savings

LEGACY FRUIT, LLC provides retirement savings benefits through LEGACY FRUIT, LLC 401(K) PLAN AND TRUST. 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.

LEGACY FRUIT, LLC 401(K) PLAN AND TRUST Average Participant Retirement Account Value

In 2024, the average participant retirement account value for LEGACY FRUIT, LLC 401(K) PLAN AND TRUST is $15,902.00

LEGACY FRUIT, LLC 401(K) PLAN AND TRUST Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for LEGACY FRUIT, LLC 401(K) PLAN AND TRUST is $797.00. 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.
51,038.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 797.00 in LEGACY FRUIT, LLC 401(K) PLAN AND TRUST, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in LEGACY FRUIT, LLC 401(K) PLAN AND TRUST

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.

LEGACY FRUIT, LLC 401(K) PLAN AND TRUST Total Employer Contribution and Match Rate

In 2024, LEGACY FRUIT, LLC 401(K) PLAN AND TRUST allocates $314,925.00 to match its employees’ contributions, providing an employer match rate of 58.94% of their contributions

LEGACY FRUIT, LLC 401(K) PLAN AND TRUST Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in LEGACY FRUIT, LLC 401(K) PLAN AND TRUST is approximately $566.00
Investing in this additonal $566.00 for 20 years would give you extra $36,250.00, 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.

LEGACY FRUIT, LLC 401(K) PLAN AND TRUST Contribution & Match Policy

LEGACY FRUIT, LLC 401(K) PLAN AND TRUST Plan Policies

LEGACY FRUIT, LLC 401(K) PLAN AND TRUST Contribution, Match and Other Plan Policies

  • Each year, participants may elect to contribute up to 100% of their compensation, as defined by the Plan, subject to certain maximum limitations imposed by Section 402(g) of the IRC.
  • Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
  • Pre-tax and roth deferrals are allowed by the Plan.
  • The Company has elected to operate the Plan as a safe harbor 401(k) plan, which makes the plan exempt from certain compliance testing requirements.
  • The Company makes a safe harbor matching contribution of 100% of the participant’s deferral up to 4% of compensation.
  • Participants are immediately 100% vested in their elective deferrals including catch-up contributions, rollover contributions from other qualified plans and IRAs, safe harbor and matching contributions, and actual earnings thereon.
  • The method for crediting vesting service for employer profit sharing contributions is based on vesting years of service.
  • Participants are credited with a year of service for 1,000 hours worked.
  • Vesting of employer contributions is based on years of service as follows: Vesting schedule: Safe Harbor Matching: < 1 year: 100% 1 year: 100% 2 years: 100% 3 years: 100% 4 years: 100% 5 years: 100% 6 years: 100% Profit Sharing: < 1 year: 0% 1 year: 0% 2 years: 20% 3 years: 40% 4 years: 60% 5 years: 80% 6 years: 100% If participants are employed on or after their Normal Retirement Age or if they terminate employment on account of death or disability, they are 100% vested in their employer profit sharing contributions.

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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