REDI-CARPET, INC. 401(K) PLAN Contribution & Employer Match

How REDI-CARPET, INC. Supports Your Retirement Savings

REDI-CARPET, INC. provides retirement savings benefits through REDI-CARPET, 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.

REDI-CARPET, INC. 401(K) PLAN Average Participant Retirement Account Value

In 2025, the average participant retirement account value for REDI-CARPET, INC. 401(K) PLAN is $44,601.00

REDI-CARPET, INC. 401(K) PLAN Estimated Average Employee Contribution Amount

In 2025, the estimated average employee contribution amount per participant for REDI-CARPET, INC. 401(K) PLAN is $4,336.00. 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.
277,516.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,336.00 in REDI-CARPET, INC. 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in REDI-CARPET, 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.

REDI-CARPET, INC. 401(K) PLAN Total Employer Contribution and Match Rate

In 2025, REDI-CARPET, INC. 401(K) PLAN allocates $732,502.00 to match its employees’ contributions, providing an employer match rate of 27.92% of their contributions

REDI-CARPET, INC. 401(K) PLAN Estimated Average Employer Match

In 2025, the estimated average employer match for an employee in REDI-CARPET, INC. 401(K) PLAN is approximately $1,319.00
Investing in this additonal $1,319.00 for 20 years would give you extra $84,468.00, 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.

REDI-CARPET, INC. 401(K) PLAN Contribution & Match Policy

REDI-CARPET, INC. 401(K) PLAN Plan Policies

REDI-CARPET, INC. 401(K) PLAN Contribution, Match and Other Plan Policies

  • Participants may elect to contribute any percentage or dollar amount of compensation, as defined, subject to certain limitations, on a pre-tax basis.
  • The Plan also provides for automatic enrollment once the eligibility requirements are met, whereby employees will automatically begin deferring 1% of eligible compensation to the Plan, unless the participant revises the deferral percentage or elects not to participate.
  • The automatic deferral percentage escalates 1% annually, up to 4%, effective the first day of each plan year.
  • Eligible employees who have attained age 50 before the end of the plan year are eligible to make catch-up contributions, subject to the limitations of the IRC.
  • The Company may make contributions in the form of a discretionary matching contribution, a discretionary non-matching contribution or a qualified non-elective contribution (QNEC), each of which will be determined each plan year.
  • For the period ended January 8, 2025, there were no employee or employer contributions to the Plan.
  • Participants are immediately vested in their salary deferral contributions, rollover contributions, and QNEC contributions, plus actual earnings thereon.
  • Vesting in the Company’s discretionary matching and discretionary non-matching contribution portion of their accounts plus actual earnings thereon is based on years of service.
  • Participants begin vesting in annual increments of 20% after their second year of service, becoming 100% vested after six years of service.
  • Regardless of the vesting schedule, participants become fully vested upon reaching normal retirement age, death, or total and permanent disability.

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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