MAC TRAILER ENTERPRISES, INC. 401(K) PLAN Contribution & Employer Match
How MAC TRAILER ENTERPRISES, INC. Supports Your Retirement Savings
MAC TRAILER ENTERPRISES, INC. provides retirement savings benefits through MAC TRAILER ENTERPRISES, INC. 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.
MAC TRAILER ENTERPRISES, INC. 401(K) PLAN Average Participant Retirement Account Value
MAC TRAILER ENTERPRISES, INC. 401(K) PLAN Estimated Average Employee Contribution Amount
185,319.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,895.00 in MAC TRAILER ENTERPRISES, INC. 401(K) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in MAC TRAILER ENTERPRISES, INC. 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.
MAC TRAILER ENTERPRISES, INC. 401(K) PLAN Total Employer Contribution and Match Rate
MAC TRAILER ENTERPRISES, INC. 401(K) PLAN Estimated Average Employer Match
Investing in this additonal $854.00 for 20 years would give you extra $54,686.00, 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.
MAC TRAILER ENTERPRISES, INC. 401(K) PLAN Contribution & Match Policy
MAC TRAILER ENTERPRISES, INC. 401(K) PLAN Contribution, Match and Other Plan Policies
- Each eligible participant is permitted to make pre-tax or post-tax (Roth) elective deferrals up to 75% of their compensation, up to a maximum amount permitted by law, as defined by the Plan.
- Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
- Participants may also contribute amounts representing distributions from other qualified defined benefit or contribution plans.
- The Plan provides for an automatic enrollment deferral percentage of 3% for newly eligible participants with an automatic increase of 1% per year up to a maximum of 6%.
- The Company made discretionary employer matching contributions in an amount equal to 50% of employee elective deferrals up to the first 5% of eligible compensation.
- A participant is fully vested immediately in elective wage deferrals and amounts rolled over from other plans. Participants are 100% vested in the employer’s matching contribution and actual earnings thereon after six years of service or once they reach the normal retirement age of 65, become totally disabled, or die. Vesting for employer matching contributions is as follows: Years of Service Vesting %
- Less than 2 years: 0%
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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