REGAL WARE, INC. PROFIT SHARING PLAN Contribution & Employer Match

How REGAL WARE, INC. Supports Your Retirement Savings

REGAL WARE, INC. provides retirement savings benefits through REGAL WARE, INC. PROFIT SHARING 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.

REGAL WARE, INC. PROFIT SHARING PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for REGAL WARE, INC. PROFIT SHARING PLAN is $116,018.00

REGAL WARE, INC. PROFIT SHARING PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for REGAL WARE, INC. PROFIT SHARING PLAN is $4,175.00. 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.
267,261.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,175.00 in REGAL WARE, INC. PROFIT SHARING PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in REGAL WARE, INC. PROFIT SHARING 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.

* 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.

REGAL WARE, INC. PROFIT SHARING PLAN Contribution & Match Policy

REGAL WARE, INC. PROFIT SHARING PLAN Plan Policies

REGAL WARE, INC. PROFIT SHARING PLAN Contribution, Match and Other Plan Policies

  • Each year, participants may contribute up to 100% of pretax annual compensation, as defined in the plan document, up to the maximum limits of the Internal Revenue Code (IRC).
  • Participants also may designate all or a portion of their deferral contributions as after-tax contributions into a Roth account.
  • Participants who have attained age 50 before the end of the plan year are eligible to make catch-up contributions.
  • The Plan includes an automatic enrollment provision whereby all newly eligible employees are automatically enrolled in the Plan unless they affirmatively elect not to participate in the Plan.
  • Participants hired on or after January 1, 2009 but before October 1, 2011 are subject to a 3% of eligible compensation automatic contribution arrangement.
  • Participants hired as of October 1, 2011 through December 31, 2015 are subject to a 3% of eligible compensation automatic contribution arrangement with the escalation feature as defined below.
  • Participants hired after January 1, 2016 are subject to a 4% of eligible compensation automatic contribution arrangement with the escalation feature as defined below.
  • Automatically enrolled participants hired after October 1, 2011 have their deferral rate increased by 1% on the first day of each plan year with a maximum default deferral rate of 15%.
  • The Employer elected to make a safe harbor matching contribution in 2024, which was 100% of elective deferrals that do not exceed 3% of the participant’s eligible compensation plus 50% of elective deferrals between 3% and 5% of participant’s eligible compensation.
  • Participants are vested immediately in their contributions plus actual earnings thereon.
  • Vesting in the Company’s contribution portion of their accounts is based on years of service.
  • A participant is 20% vested after one year of credited service and continues to vest in increments of 20% until 100% vested after five years of credited service.

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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