METRO CORP. RETIREMENT SAVINGS PLAN Contribution & Employer Match

How METRO CORP. Supports Your Retirement Savings

METRO CORP. provides retirement savings benefits through METRO CORP. RETIREMENT SAVINGS 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.

METRO CORP. RETIREMENT SAVINGS PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for METRO CORP. RETIREMENT SAVINGS PLAN is $67,331.00

METRO CORP. RETIREMENT SAVINGS PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for METRO CORP. RETIREMENT SAVINGS PLAN is $2,179.00. 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.
139,474.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,179.00 in METRO CORP. RETIREMENT SAVINGS PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in METRO CORP. RETIREMENT SAVINGS 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.

METRO CORP. RETIREMENT SAVINGS PLAN Total Employer Contribution and Match Rate

In 2024, METRO CORP. RETIREMENT SAVINGS PLAN allocates $380.00 to match its employees’ contributions, providing an employer match rate of 0.11% of their contributions

METRO CORP. RETIREMENT SAVINGS PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in METRO CORP. RETIREMENT SAVINGS PLAN is approximately $2.00
Investing in this additonal $2.00 for 20 years would give you extra $154.00, 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.

METRO CORP. RETIREMENT SAVINGS PLAN Contribution & Match Policy

METRO CORP. RETIREMENT SAVINGS PLAN Plan Policies

METRO CORP. RETIREMENT SAVINGS PLAN Contribution, Match and Other Plan Policies

  • Each year, participants may contribute up to 100% of pretax annual eligible compensation, as defined by the Plan, up to the Internal Revenue Service (IRS) limitation.
  • 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 defined contribution plans.
  • The Plan includes an auto-enrollment provision whereby all newly eligible employees are automatically enrolled in the Plan at a deferral rate of 3% of eligible compensation unless they elect an alternate deferral rate or they affirmatively elect not to participant in the Plan.
  • Matching contributions may be made by the Company at its discretion equal to a percentage of the employees’ contributions.
  • No discretionary matching contributions were made for the 2024 plan year.
  • Vesting schedule: Years of Vested Service Percentage 1: 20% 2: 40% 3: 60% 4: 80% 5: 100% If a participant attains age 65, becomes permanently and totally disabled, or dies, the full value of the Company’s matching contributions allocated to his or her account becomes fully vested to the participant (or in their successor’s interest in the event of death) and is nonforfeitable.
  • Prior to the occurrence of such an event, the participant will vest in the value of the Company’s contributions, based on years of continuous service.
  • The participant’s contributions plus actual earnings thereon are 100% vested and nonforfeitable.

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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