OREGON ICE CREAM LLC 401(K) PLAN Contribution & Employer Match
How OREGON ICE CREAM LLC Supports Your Retirement Savings
OREGON ICE CREAM LLC provides retirement savings benefits through OREGON ICE CREAM LLC 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.
OREGON ICE CREAM LLC 401(K) PLAN Average Participant Retirement Account Value
OREGON ICE CREAM LLC 401(K) PLAN Estimated Average Employee Contribution Amount
142,592.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,228.00 in OREGON ICE CREAM LLC 401(K) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in OREGON ICE CREAM LLC 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.
OREGON ICE CREAM LLC 401(K) PLAN Total Employer Contribution and Match Rate
OREGON ICE CREAM LLC 401(K) PLAN Estimated Average Employer Match
Investing in this additonal $749.00 for 20 years would give you extra $47,941.00, 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.
OREGON ICE CREAM LLC 401(K) PLAN Contribution & Match Policy
OREGON ICE CREAM LLC 401(K) PLAN Contribution, Match and Other Plan Policies
- Each year, participants may elect to contribute pre-tax or after-tax Roth contributions of not less than 1% of compensation, as defined by the Plan, not to exceed the maximum allowed under the Internal Revenue Code (IRC), which was $23,000 in 2024.
- Participants who have attained the age of 50 before the end of the Plan year are eligible to make additional catch-up contributions of $7,500 in 2024.
- The Plan automatically enrolls employees and withholds 5% from each participant’s compensation unless the participant elects to not defer any of their salary or elects a different percentage.
- Beginning on the participant’s anniversary date, their deferral percentage will increase by 1% annually until 12% is reached, unless the participant makes a different election.
- Matching contributions are based upon the amount of contribution dollars contributed by each participant.
- The matching contribution is a discretionary amount determined by the Company on a yearly basis.
- Matching contributions were 50% of the first 6% of each participant’s contribution in 2024.
- Additionally, the Company may elect to make a separate discretionary contribution to the Plan at the end of the Plan year.
- In 2024, the Company did not elect to make a separate discretionary contribution.
- Participants are immediately vested in their voluntary contributions, plus actual earnings thereon.
- Vesting in the Company’s contribution portion of their accounts is based on years of continuous service.
- Accounts vest at 33% each year and become fully vested after three years of credited service.
- Participants shall also become 100% vested upon attainment of normal retirement age, death, or permanent disablement.
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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