R. T. MOORE CO. INC. 401(K) PROFIT SHARING PLAN Contribution & Employer Match

How R.T. MOORE CO. INC. Supports Your Retirement Savings

R.T. MOORE CO. INC. provides retirement savings benefits through R. T. MOORE CO. INC. 401(K) PROFIT SHARING 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.

R. T. MOORE CO. INC. 401(K) PROFIT SHARING PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for R. T. MOORE CO. INC. 401(K) PROFIT SHARING PLAN is $20,133.00

R. T. MOORE CO. INC. 401(K) PROFIT SHARING PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for R. T. MOORE CO. INC. 401(K) PROFIT SHARING PLAN is $4,769.00. 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.
305,257.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,769.00 in R. T. MOORE CO. INC. 401(K) PROFIT SHARING PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in R. T. MOORE CO. INC. 401(K) PROFIT SHARING 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.

R. T. MOORE CO. INC. 401(K) PROFIT SHARING PLAN Total Employer Contribution and Match Rate

In 2024, R. T. MOORE CO. INC. 401(K) PROFIT SHARING PLAN allocates $858,636.00 to match its employees’ contributions, providing an employer match rate of 32.38% of their contributions

R. T. MOORE CO. INC. 401(K) PROFIT SHARING PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in R. T. MOORE CO. INC. 401(K) PROFIT SHARING PLAN is approximately $772.00
Investing in this additonal $772.00 for 20 years would give you extra $49,417.00, 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.

R. T. MOORE CO. INC. 401(K) PROFIT SHARING PLAN Contribution & Match Policy

R. T. MOORE CO. INC. 401(K) PROFIT SHARING PLAN Plan Policies

R. T. MOORE CO. INC. 401(K) PROFIT SHARING PLAN Contribution, Match and Other Plan Policies

  • The Plan permits eligible employees through a salary deferral election to have the Company make annual contributions of up to 100% of eligible compensation up to the maximum allowed by law.
  • Roth and Employee rollover contributions are also permitted.
  • Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
  • The Plan Document also includes an automatic deferral feature whereby a participant is treated as electing to defer 3% of eligible compensation unless the participant made an affirmative election otherwise.
  • Effective December 1, 2024, the automatic deferral was increased to 4%.
  • The Company elected an annual matching contribution of 25% on the first 5% of compensation based on employees’ eligible compensation.
  • Participants are immediately vested in their voluntary contributions plus earnings thereon.
  • Vesting in the Company’s contribution portion of their accounts plus earnings thereon is based on years of continuous service.
  • A participant is fully vested after three years of continuous service, which includes attaining 1,000 hours of service a year.

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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