MUTH COMPANY 401K PLAN Contribution & Employer Match
How MUTH MIRROR SYSTEMS LLC Supports Your Retirement Savings
MUTH MIRROR SYSTEMS LLC provides retirement savings benefits through MUTH COMPANY 401K 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.
MUTH COMPANY 401K PLAN Average Participant Retirement Account Value
MUTH COMPANY 401K PLAN Estimated Average Employee Contribution Amount
582,654.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 9,103.00 in MUTH COMPANY 401K PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in MUTH COMPANY 401K 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.
MUTH COMPANY 401K PLAN Total Employer Contribution and Match Rate
MUTH COMPANY 401K PLAN Estimated Average Employer Match
Investing in this additonal $1,254.00 for 20 years would give you extra $80,312.00, 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.
MUTH COMPANY 401K PLAN Contribution & Match Policy
MUTH COMPANY 401K PLAN Contribution, Match and Other Plan Policies
- Participants may elect to contribute up to a maximum of 50 percent of their eligible compensation to the Plan subject to maximum contribution limits allowed by the Internal Revenue Code.
- Participants may elect to have any portion of their contributions designated as Roth 401(k) contributions.
- Employees eligible to make elective deferral contributions, as well as active participants without a deferral election on file, have provisions for automatic pretax elective deferral contributions.
- The automatic deferral is 3 percent of compensation and can be increased 1 percent per year up to a maximum of 10 percent of compensation.
- Employees have the right to change their deferral percentage or elect not to make contributions.
- The Company may make discretionary matching contributions.
- The discretionary matching contribution is 50 percent of the first 6 percent of participants’ compensation contributed to the Plan.
- Participants are immediately vested in their contributions plus actual earnings thereon.
- Vesting in the Company’s discretionary match and employer nonelective contribution portions of their accounts plus actual earnings thereon is based on years of continuous service beginning at 34 percent after one year of service, 67 percent after two years of service, and 100 percent after three years 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:
| 2024 | 2025 | |
|---|---|---|
| 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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