RECON 401K PLAN Contribution & Employer Match
How RECON MANAGEMENT SERVICES INC. Supports Your Retirement Savings
RECON MANAGEMENT SERVICES INC. provides retirement savings benefits through RECON 401K 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.
RECON 401K PLAN Average Participant Retirement Account Value
RECON 401K PLAN Estimated Average Employee Contribution Amount
393,644.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 6,150.00 in RECON 401K PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in RECON 401K 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.
RECON 401K PLAN Total Employer Contribution and Match Rate
RECON 401K PLAN Estimated Average Employer Match
Investing in this additonal $1,693.00 for 20 years would give you extra $108,372.00, 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.
RECON 401K PLAN Contribution & Match Policy
RECON 401K PLAN Contribution, Match and Other Plan Policies
- The plan allows participants to defer from up to 100% of eligible compensation as defined in the Plan on a pre-tax basis and Roth after tax basis.
- Participants who will be at least age 50 by the end of the Plan year may elect to make catch-up contributions, not to exceed an additional deferral of $7,500 in 2024 (subject to adjustment in future years).
- In 2024, The Company contributed a discretionary matching contribution of 50% up to 6% of the participant’s elective deferrals, if they were employed on the last day of the Plan year.
- The balance in each participant’s account that is attributable to his own contributions shall be fully vested at all times.
- The participant’s account is also fully vested for qualified matching and non-election contributions of the employer, and the earnings thereon.
- The vested portion of the participant’s account attributable to employer discretionary matching contributions, plus the earnings thereon shall be based on the number of years of service as of the date of termination of employment as follows: Years of Service Vested Percentage 1 20% 2 40% 3 60% 4 80% 5 100%
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:
| 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.
Get Key Insights for This Plan
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