RELIABLE CONTRACTING COMPANY, INC. PROFIT SHARING PLAN & TRUST Contribution & Employer Match
How RELIABLE CONTRACTING COMPANY, INC. Supports Your Retirement Savings
RELIABLE CONTRACTING COMPANY, INC. provides retirement savings benefits through RELIABLE CONTRACTING COMPANY, INC. PROFIT SHARING PLAN & 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.
RELIABLE CONTRACTING COMPANY, INC. PROFIT SHARING PLAN & TRUST Average Participant Retirement Account Value
RELIABLE CONTRACTING COMPANY, INC. PROFIT SHARING PLAN & TRUST Estimated Average Employee Contribution Amount
86,655.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 1,353.00 in RELIABLE CONTRACTING COMPANY, INC. PROFIT SHARING PLAN & TRUST, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in RELIABLE CONTRACTING COMPANY, INC. PROFIT SHARING PLAN & 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.
RELIABLE CONTRACTING COMPANY, INC. PROFIT SHARING PLAN & TRUST Total Employer Contribution and Match Rate
RELIABLE CONTRACTING COMPANY, INC. PROFIT SHARING PLAN & TRUST Estimated Average Employer Match
Investing in this additonal $177.00 for 20 years would give you extra $11,332.00, 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.
RELIABLE CONTRACTING COMPANY, INC. PROFIT SHARING PLAN & TRUST Contribution & Match Policy
RELIABLE CONTRACTING COMPANY, INC. PROFIT SHARING PLAN & TRUST Contribution, Match and Other Plan Policies
- Each year, participants may elect to contribute pre-tax or after-tax Roth deferral contributions up to the maximum allowable contribution amount under the Internal Revenue Code (IRC).
- Participants who have attained age 50 before the end of the plan year are eligible to make catch-up contributions.
- Participants may also contribute amounts representing distributions from other qualified defined benefit or defined contribution plans.
- Reliable may make the following contributions on behalf of participants: A discretionary matching contribution as determined by Reliable.
- For the year ended December 31, 2024, Reliable contributed, on an annual basis, a discretionary matching contribution of 25% of each eligible participant’s deferrals up to 4% of eligible compensation, as defined, for a maximum contribution of 1% of each participant’s eligible compensation.
- The Plan includes a true-up contribution provision under which a participant’s discretionary matching contribution is recalculated on the last day of the plan year based on the participant’s elective contributions and eligible compensation during the plan year.
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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