REDICO RETIREMENT SAVINGS PLAN Contribution & Employer Match
How REDICO, LLC. Supports Your Retirement Savings
REDICO, LLC. provides retirement savings benefits through REDICO RETIREMENT 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.
REDICO RETIREMENT SAVINGS PLAN Average Participant Retirement Account Value
REDICO RETIREMENT SAVINGS PLAN Estimated Average Employee Contribution Amount
246,768.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 3,855.00 in REDICO RETIREMENT SAVINGS PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in REDICO RETIREMENT 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.
REDICO RETIREMENT SAVINGS PLAN Total Employer Contribution and Match Rate
REDICO RETIREMENT SAVINGS PLAN Estimated Average Employer Match
Investing in this additonal $968.00 for 20 years would give you extra $61,970.00, 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.
REDICO RETIREMENT SAVINGS PLAN Contribution & Match Policy
REDICO RETIREMENT SAVINGS PLAN Contribution, Match and Other Plan Policies
- The Plan provides for employee salary deferral contributions subject to maximum tax-deferred limitations established by the Internal Revenue Code.
- Participants may also make contributions to the Plan in the form of a rollover of funds from another qualified plan.
- Elected deferral rates are subject to auto-escalation, increasing by 1 percent annually, up to 6 percent of compensation.
- For the 2024 plan year, the Company made matching contributions of 50 percent of the participant’s contribution, not to exceed 5 percent of the employee’s compensation.
- Participants are immediately 100 percent vested in employee salary and rollover contributions and any income or loss thereon.
- Vesting in the Company’s contribution portion of their accounts, plus actual earnings thereon, is based on years of service.
- Participants become fully vested in contributions made by the Company after three years of service.
- Prior to the completion of three years of vesting service, the participants have no ownership interest in their matching or employer contribution accounts.
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.
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