RAF INDUSTRIES, INC. SAVINGS PLAN Contribution & Employer Match

How RAF INDUSTRIES, INC. Supports Your Retirement Savings

RAF INDUSTRIES, INC. provides retirement savings benefits through RAF INDUSTRIES, INC. SAVINGS 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.

RAF INDUSTRIES, INC. SAVINGS PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for RAF INDUSTRIES, INC. SAVINGS PLAN is $45,489.00

RAF INDUSTRIES, INC. SAVINGS PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for RAF INDUSTRIES, INC. SAVINGS PLAN is $2,589.00. 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.
165,704.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,589.00 in RAF INDUSTRIES, INC. SAVINGS PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in RAF INDUSTRIES, INC. SAVINGS 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.

RAF INDUSTRIES, INC. SAVINGS PLAN Total Employer Contribution and Match Rate

In 2024, RAF INDUSTRIES, INC. SAVINGS PLAN allocates $1,581,012.00 to match its employees’ contributions, providing an employer match rate of 41.97% of their contributions

RAF INDUSTRIES, INC. SAVINGS PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in RAF INDUSTRIES, INC. SAVINGS PLAN is approximately $1,220.00
Investing in this additonal $1,220.00 for 20 years would give you extra $78,134.00, 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.

RAF INDUSTRIES, INC. SAVINGS PLAN Contribution & Match Policy

RAF INDUSTRIES, INC. SAVINGS PLAN Plan Policies

RAF INDUSTRIES, INC. SAVINGS PLAN Contribution, Match and Other Plan Policies

  • Participants may contribute (elective contribution) from 0% to 100% of their pre- and post-tax compensation as defined; however, the total deferrals each year may not exceed the dollar limit set by law.
  • Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
  • Participants may also contribute amounts representing distributions from other qualified defined benefit or contribution plans (rollovers).
  • The Plan utilizes a Qualified Automated Contribution Arrangement, whereby all newly eligible participants are enrolled in the Plan unless the participant affirmatively elects not to participate in the Plan.
  • New participants are automatically enrolled at deferral rate of 3% of eligible compensation and their deferrals are invested in an age-appropriate target date fund.
  • An auto deferral rate increase will be applied to the auto enrolled participants.
  • Deferral rates will be increased by 1% over a five-year period, until the participant reaches a deferral rate of 6%.
  • In conjunction with the existing Automated Contribution Arrangement, the Plan also utilizes the Safe-Harbor matching contribution formula of 100% of the first 1% and 50% of the next 5% deferred.
  • Participants are immediately vested in their contributions (including rollover contributions) plus actual earnings thereon. Employer profit-sharing contributions, including earnings thereon, become vested as follows: Vesting Percentage for Years of Participation in the Plan Company Contributions
  • Less than 2 years: 0%
  • 2-3 years: 20%
  • 3-4 years: 40%
  • 4-5 years: 60%
  • 5-6 years: 80%
  • 6+ years: 100%

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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