PRODUCERS RICE MILL, INC. 401(K) PLAN Contribution & Employer Match

How PRODUCERS RICE MILL, INC. Supports Your Retirement Savings

PRODUCERS RICE MILL, INC. provides retirement savings benefits through PRODUCERS RICE MILL, 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.

PRODUCERS RICE MILL, INC. 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for PRODUCERS RICE MILL, INC. 401(K) PLAN is $31,085.00

PRODUCERS RICE MILL, INC. 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for PRODUCERS RICE MILL, INC. 401(K) PLAN is $5,108.00. 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.
326,917.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 5,108.00 in PRODUCERS RICE MILL, INC. 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in PRODUCERS RICE MILL, 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.

PRODUCERS RICE MILL, INC. 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, PRODUCERS RICE MILL, INC. 401(K) PLAN allocates $801,753.00 to match its employees’ contributions, providing an employer match rate of 40.77% of their contributions

PRODUCERS RICE MILL, INC. 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in PRODUCERS RICE MILL, INC. 401(K) PLAN is approximately $1,041.00
Investing in this additonal $1,041.00 for 20 years would give you extra $66,639.00, 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.

PRODUCERS RICE MILL, INC. 401(K) PLAN Contribution & Match Policy

PRODUCERS RICE MILL, INC. 401(K) PLAN Plan Policies

PRODUCERS RICE MILL, INC. 401(K) PLAN Contribution, Match and Other Plan Policies

  • The Plan permits elective deferral contributions up to the maximum amount allowed by law.
  • The Plan includes a provision for automatic pre-tax elective deferrals for those employees who first meet the Plan’s eligibility requirements, or who were not contributing participants after January 1, 2007.
  • Initial automatic elective deferrals of 2% of eligible compensation automatically increase 1% each year up to a maximum of 4%, unless the participant chooses otherwise.
  • Matching contributions for eligible employees hired prior to August 1, 2016 equaled 25% of the first 4% of elective deferral contributions for 2024 and 2023.
  • Matching contributions for eligible employees hired on or after August 1, 2016 equaled 100% of the first 3% and 50% of the next 2% of elective deferral contributions.

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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