MARTINS, INC. 401(K) PLAN Contribution & Employer Match

How MARTINS, INC. Supports Your Retirement Savings

MARTINS, INC. provides retirement savings benefits through MARTINS, 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.

MARTINS, INC. 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for MARTINS, INC. 401(K) PLAN is $36,576.00

MARTINS, INC. 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for MARTINS, INC. 401(K) PLAN is $2,085.00. 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.
133,454.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,085.00 in MARTINS, INC. 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in MARTINS, 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.

MARTINS, INC. 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, MARTINS, INC. 401(K) PLAN allocates $116,676.00 to match its employees’ contributions, providing an employer match rate of 20.20% of their contributions

MARTINS, INC. 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in MARTINS, INC. 401(K) PLAN is approximately $516.00
Investing in this additonal $516.00 for 20 years would give you extra $33,040.00, 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.

MARTINS, INC. 401(K) PLAN Contribution & Match Policy

MARTINS, INC. 401(K) PLAN Plan Policies

MARTINS, INC. 401(K) PLAN Contribution, Match and Other Plan Policies

  • A participant in the Plan may elect to enter into a salary reduction agreement with the Company, which would be applicable to the Plan year during which the election is made, and to subsequent plan years, unless canceled or modified.
  • The Plan allows for a reduction in compensation not to exceed 50% of eligible plan compensation, 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.
  • The Plan also allows rollovers from other qualified defined contribution and defined benefit plans.
  • 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.
  • Automatically enrolled participants have their deferral rate set at 3% of eligible compensation and their contributions invested in a designated balanced fund until changed by the participant.
  • The Plan also includes an auto-escalation provision whereby participants that are auto-enrolled are subject to an annual automatic deferral rate increase of 1% until their deferral rate reaches 10% of eligible compensation.
  • The Company may make discretionary matching contributions to the Plan.
  • A discretionary matching contribution of 20% of participant’s contributions, up to 25%, was made to the Plan for the year ended December 31, 2024.
  • Participants are immediately vested in their elective deferral contributions, plus actual earnings thereon. Eligible bargaining unit employees are 100% vested in all nonelective employer contributions. Vesting in the Company’s discretionary matching contributions, plus actual earnings thereon, is based on years of continuous service. A participant vests in company matching contributions as follows: Years of Credited Service Percent
  • 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:

 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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