MARTIN’S FAMOUS PASTRY SHOPPE, INC. 401(K) PROFIT SHARING PLAN Contribution & Employer Match

How MARTIN’S FAMOUS PASTRY SHOPPE, INC. Supports Your Retirement Savings

MARTIN’S FAMOUS PASTRY SHOPPE, INC. provides retirement savings benefits through MARTIN’S FAMOUS PASTRY SHOPPE, INC. 401(K) PROFIT SHARING 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.

MARTIN’S FAMOUS PASTRY SHOPPE, INC. 401(K) PROFIT SHARING PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for MARTIN’S FAMOUS PASTRY SHOPPE, INC. 401(K) PROFIT SHARING PLAN is $78,710.00

MARTIN’S FAMOUS PASTRY SHOPPE, INC. 401(K) PROFIT SHARING PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for MARTIN’S FAMOUS PASTRY SHOPPE, INC. 401(K) PROFIT SHARING PLAN is $5,969.00. 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.
382,030.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 5,969.00 in MARTIN’S FAMOUS PASTRY SHOPPE, INC. 401(K) PROFIT SHARING PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in MARTIN’S FAMOUS PASTRY SHOPPE, INC. 401(K) PROFIT SHARING 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.

MARTIN’S FAMOUS PASTRY SHOPPE, INC. 401(K) PROFIT SHARING PLAN Total Employer Contribution and Match Rate

In 2024, MARTIN’S FAMOUS PASTRY SHOPPE, INC. 401(K) PROFIT SHARING PLAN allocates $2,821,649.00 to match its employees’ contributions, providing an employer match rate of 39.15% of their contributions

MARTIN’S FAMOUS PASTRY SHOPPE, INC. 401(K) PROFIT SHARING PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in MARTIN’S FAMOUS PASTRY SHOPPE, INC. 401(K) PROFIT SHARING PLAN is approximately $2,119.00
Investing in this additonal $2,119.00 for 20 years would give you extra $135,676.00, 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.

MARTIN’S FAMOUS PASTRY SHOPPE, INC. 401(K) PROFIT SHARING PLAN Contribution & Match Policy

MARTIN’S FAMOUS PASTRY SHOPPE, INC. 401(K) PROFIT SHARING PLAN Plan Policies

MARTIN’S FAMOUS PASTRY SHOPPE, INC. 401(K) PROFIT SHARING PLAN Contribution, Match and Other Plan Policies

  • Each year, participants may contribute a percentage of annual compensation, as defined in the Plan, not to exceed a certain dollar limit set by law.
  • Participants who have attained age 50 before the end of the plan year are eligible to make catch-out contributions.
  • 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 August 1, 2024, this auto enrollment also applies to current employees that are not deferring.
  • Automatically enrolled participants have their deferral rate set at 4 percent of eligible compensation and their contributions invested in a designated default fund established by the Plan until changed by the participant.
  • The deferral percentage for all participants is increased by 1 percent each year up to a maximum of 15 percent unless the participant annually elects not to have the rate increased.
  • NOT_FOUND – No employer match is described.
  • The Plan only describes discretionary nonelective contributions determined annually by the Board of Directors.
  • Participants are vested immediately in their contributions plus actual earnings thereon.
  • Vesting in the Employer’s contribution portion of their accounts is based on years of continuous service and a graded vesting schedule.
  • A participant is 100 percent vested after (a) 6 years of credited service, (b) total disability, or (c) death.
  • Participants are credited with a year of service for each Plan year in which they have at least 1,000 hours of service.

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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