MCALPIN INDUSTRIES, INC. EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN Contribution & Employer Match

How MCALPIN INDUSTRIES, INC. Supports Your Retirement Savings

MCALPIN INDUSTRIES, INC. provides retirement savings benefits through MCALPIN INDUSTRIES, INC. EMPLOYEES’ SAVINGS AND 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.

MCALPIN INDUSTRIES, INC. EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for MCALPIN INDUSTRIES, INC. EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN is $64,825.00

MCALPIN INDUSTRIES, INC. EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for MCALPIN INDUSTRIES, INC. EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN is $5,257.00. 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.
336,463.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 5,257.00 in MCALPIN INDUSTRIES, INC. EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in MCALPIN INDUSTRIES, INC. EMPLOYEES’ SAVINGS AND 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.

MCALPIN INDUSTRIES, INC. EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN Total Employer Contribution and Match Rate

In 2024, MCALPIN INDUSTRIES, INC. EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN allocates $256,297.00 to match its employees’ contributions, providing an employer match rate of 23.67% of their contributions

MCALPIN INDUSTRIES, INC. EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in MCALPIN INDUSTRIES, INC. EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN is approximately $1,220.00
Investing in this additonal $1,220.00 for 20 years would give you extra $78,109.00, 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.

MCALPIN INDUSTRIES, INC. EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN Contribution & Match Policy

MCALPIN INDUSTRIES, INC. EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN Plan Policies

MCALPIN INDUSTRIES, INC. EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN Contribution, Match and Other Plan Policies

  • Participants may elect to contribute up to 100% of their eligible compensation to the Plan, subject to the maximum amount allowed under the Internal Revenue Code (the Code).
  • Deferral limits under the Code were $23,000 for the year ended December 31, 2024.
  • In addition, participants age fifty and over at the end of the Plan year could elect to contribute a catch-up contribution of $7,500 during the year ended December 31, 2024.
  • The Plan provides for automatic participant enrollment after the first thirty days following the participant’s date of hire.
  • The initial elective deferral rate is equal to 5% of the participant’s eligible compensation and is increased by 1% each year, not to exceed 15% of eligible compensation.
  • For the year ended December 31, 2024, the Company elected to make discretionary matching contributions equal to 50% of the participant’s elective deferrals up to 5% of eligible compensation for a maximum matching contribution of 2.5% of eligible compensation.
  • Company discretionary matching contributions were made each payroll period to participants and totaled $256,297 during the year ended December 31, 2024.
  • Vesting in the Company’s discretionary non-elective profit sharing and discretionary matching contribution portion of a participant’s account plus earnings is based on years of service as follows: Years of service Percentage Less than two 0% At least two but less than three 20% At least three but less than four 40% At least four but less than five 60% At least five but less than six 80% Six or more 100%

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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