RETIREMENT SAVINGS PLAN FOR METAL EXCHANGE FAMILY OF COMPANIES Contribution & Employer Match

How METAL EXCHANGE, LLC Supports Your Retirement Savings

METAL EXCHANGE, LLC provides retirement savings benefits through RETIREMENT SAVINGS PLAN FOR METAL EXCHANGE FAMILY OF COMPANIES. 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.

RETIREMENT SAVINGS PLAN FOR METAL EXCHANGE FAMILY OF COMPANIES Average Participant Retirement Account Value

In 2024, the average participant retirement account value for RETIREMENT SAVINGS PLAN FOR METAL EXCHANGE FAMILY OF COMPANIES is $44,543.00

RETIREMENT SAVINGS PLAN FOR METAL EXCHANGE FAMILY OF COMPANIES Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for RETIREMENT SAVINGS PLAN FOR METAL EXCHANGE FAMILY OF COMPANIES is $5,740.00. 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.
367,406.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 5,740.00 in RETIREMENT SAVINGS PLAN FOR METAL EXCHANGE FAMILY OF COMPANIES, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in RETIREMENT SAVINGS PLAN FOR METAL EXCHANGE FAMILY OF COMPANIES

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.

RETIREMENT SAVINGS PLAN FOR METAL EXCHANGE FAMILY OF COMPANIES Total Employer Contribution and Match Rate

In 2024, RETIREMENT SAVINGS PLAN FOR METAL EXCHANGE FAMILY OF COMPANIES allocates $2,070,966.00 to match its employees’ contributions, providing an employer match rate of 53.80% of their contributions

RETIREMENT SAVINGS PLAN FOR METAL EXCHANGE FAMILY OF COMPANIES Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in RETIREMENT SAVINGS PLAN FOR METAL EXCHANGE FAMILY OF COMPANIES is approximately $1,544.00
Investing in this additonal $1,544.00 for 20 years would give you extra $98,838.00, 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.

RETIREMENT SAVINGS PLAN FOR METAL EXCHANGE FAMILY OF COMPANIES Contribution & Match Policy

RETIREMENT SAVINGS PLAN FOR METAL EXCHANGE FAMILY OF COMPANIES Plan Policies

RETIREMENT SAVINGS PLAN FOR METAL EXCHANGE FAMILY OF COMPANIES Contribution, Match and Other Plan Policies

  • Participants may contribute up to 60% of annual eligible compensation, as defined in the Plan, and designate those contributions as either pre-tax or Roth.
  • Participants meeting the eligibility requirements of the Plan are automatically enrolled in the Plan after 30 days with their employee contributions initially at 2% of their compensation, unless they elect otherwise.
  • This deferral rate will automatically increase 1% each year up to a maximum of 10%, unless the participant opts out of the automatic increase.
  • Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
  • The Company contributes 100% of the first 4% of participant contributions.
  • In addition, the Plan allows for a discretionary additional matching contribution that may be made by the Company, which would apply only to elective deferrals not exceeding 6% of participant’s compensation.
  • Participants are immediately vested in their contributions, plus actual earnings thereon.
  • Vesting in the Company contributions, including earnings thereon, is based on years of continuous service.
  • Participants become fully vested ratably over 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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