MILTON’S DISTRIBUTING CO., INC. 401(K) PLAN Contribution & Employer Match

How MILTONS DISTRIBUTING CO., INC. Supports Your Retirement Savings

MILTONS DISTRIBUTING CO., INC. provides retirement savings benefits through MILTON’S DISTRIBUTING CO., 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.

MILTON’S DISTRIBUTING CO., INC. 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for MILTON’S DISTRIBUTING CO., INC. 401(K) PLAN is $59,440.00

MILTON’S DISTRIBUTING CO., INC. 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for MILTON’S DISTRIBUTING CO., INC. 401(K) PLAN is $4,357.00. 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.
278,865.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,357.00 in MILTON’S DISTRIBUTING CO., INC. 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in MILTON’S DISTRIBUTING CO., 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.

MILTON’S DISTRIBUTING CO., INC. 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, MILTON’S DISTRIBUTING CO., INC. 401(K) PLAN allocates $570,152.00 to match its employees’ contributions, providing an employer match rate of 77.20% of their contributions

MILTON’S DISTRIBUTING CO., INC. 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in MILTON’S DISTRIBUTING CO., INC. 401(K) PLAN is approximately $2,836.00
Investing in this additonal $2,836.00 for 20 years would give you extra $181,540.00, 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.

MILTON’S DISTRIBUTING CO., INC. 401(K) PLAN Contribution & Match Policy

MILTON’S DISTRIBUTING CO., INC. 401(K) PLAN Plan Policies

MILTON’S DISTRIBUTING CO., INC. 401(K) PLAN Contribution, Match and Other Plan Policies

  • Eligible employees can contribute an amount up to 90% of eligible compensation as defined by the Plan, not to exceed statutory limits.
  • Participants can make after-tax contributions to a Roth 401(k) investment.
  • The Plan includes an auto-enrollment provision whereby all newly eligible employees hired after January 1, 2019 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 fund until changed by the participant.
  • The Company contributes non-discretionary matching contributions in the amount equal to 100% participant deferral contributions subject to the maximum of the lesser of 6% of eligible compensation or $6,000.
  • The Company may make discretionary profit-sharing contributions to the Plan as approved by the Board of Directors.
  • Vesting schedule:
  • Less than 1 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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