RANPAK CORP. 401(K) PROFIT SHARING PLAN AND TRUST Contribution & Employer Match

How RANPAK CORP. Supports Your Retirement Savings

RANPAK CORP. provides retirement savings benefits through RANPAK CORP. 401(K) PROFIT SHARING PLAN AND TRUST. 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.

RANPAK CORP. 401(K) PROFIT SHARING PLAN AND TRUST Average Participant Retirement Account Value

In 2024, the average participant retirement account value for RANPAK CORP. 401(K) PROFIT SHARING PLAN AND TRUST is $55,319.00

RANPAK CORP. 401(K) PROFIT SHARING PLAN AND TRUST Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for RANPAK CORP. 401(K) PROFIT SHARING PLAN AND TRUST is $5,397.00. 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.
345,456.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 5,397.00 in RANPAK CORP. 401(K) PROFIT SHARING PLAN AND TRUST, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in RANPAK CORP. 401(K) PROFIT SHARING PLAN AND TRUST

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.

RANPAK CORP. 401(K) PROFIT SHARING PLAN AND TRUST Total Employer Contribution and Match Rate

In 2024, RANPAK CORP. 401(K) PROFIT SHARING PLAN AND TRUST allocates $903,495.00 to match its employees’ contributions, providing an employer match rate of 46.89% of their contributions

RANPAK CORP. 401(K) PROFIT SHARING PLAN AND TRUST Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in RANPAK CORP. 401(K) PROFIT SHARING PLAN AND TRUST is approximately $2,230.00
Investing in this additonal $2,230.00 for 20 years would give you extra $142,774.00, 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.

RANPAK CORP. 401(K) PROFIT SHARING PLAN AND TRUST Contribution & Match Policy

RANPAK CORP. 401(K) PROFIT SHARING PLAN AND TRUST Plan Policies

RANPAK CORP. 401(K) PROFIT SHARING PLAN AND TRUST Contribution, Match and Other Plan Policies

  • Non-highly compensated participants may elect to defer up to 25% of their compensation as defined by the Plan on a pre-tax, after-tax basis, or on a Roth basis.
  • Effective January 1, 2024, the Plan was amended to automatically enroll employees who have not declined participation in writing or completed a salary deferral agreement as of the date of their eligibility to participate in the Plan with a pre-tax deferral rate of 3% and their contributions invested in a designated fund until changed by the participant.
  • The pre-tax deferral rate increases 1% each year (after the second year) on the first day of the Plan year up to a maximum of 6%.
  • In addition, a participant may make a separate election to defer up to 100% of their irregular pay, such as bonuses, on a pre-tax or Roth basis.
  • The Plan also provides for catch-up contributions for participants who reach the age of 50 by the end of the Plan year.
  • Prior to January 1, 2024, the Plan provided for an employer matching contribution to eligible participants, which was 50% of the first 6% of compensation that a participant contributed to the Plan.
  • Effective January 1, 2024, the Plan provides for QACA (Qualified Automatic Contribution Arrangement) safe harbor matching contributions to eligible participants, which is 100% of the first 1% of compensation that a participant contributed to the Plan, plus 50% of the compensation that exceeds 1% but does not exceed 6%.
  • Participants are immediately vested in their deferral contributions plus actual earnings thereon.
  • Vesting in the Company’s discretionary matching contributions and employer nonelective contributions plus actual earnings thereon is based on years of continuous service at a rate of 33% per year of credited service as defined by the Plan.
  • A participant is fully vested upon completing 3 years of credited service.
  • Effective January 1, 2024 vesting in the QACA safe harbor contributions plus actual earnings thereon is based on years of continuous service at 0% under 2 years of credited service and 100% 2 years and over of credited service as defined by the Plan.

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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