RFC RETIREMENT PLAN Contribution & Employer Match
How ROMANOFF FLOOR COVERING, INC. Supports Your Retirement Savings
ROMANOFF FLOOR COVERING, INC. provides retirement savings benefits through RFC RETIREMENT 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.
RFC RETIREMENT PLAN Average Participant Retirement Account Value
RFC RETIREMENT PLAN Estimated Average Employee Contribution Amount
115,285.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 1,801.00 in RFC RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in RFC RETIREMENT 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.
RFC RETIREMENT PLAN Total Employer Contribution and Match Rate
RFC RETIREMENT PLAN Estimated Average Employer Match
Investing in this additonal $1,038.00 for 20 years would give you extra $66,455.00, 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.
RFC RETIREMENT PLAN Contribution & Match Policy
RFC RETIREMENT PLAN Contribution, Match and Other Plan Policies
- The Plan includes a provision under Internal Revenue Code (IRC) Section 401(k) whereby participants may deposit the maximum amount of pre-tax contributions allowed under the IRC.
- In addition, participants may also contribute post-tax, or Roth contributions.
- Additionally, employees who have attained age 50 are eligible to deposit catch-up contributions in accordance with and subject to limitations under the IRC.
- The Company makes Safe Harbor matching contributions equal to 100% of each participant’s elective deferrals not exceeding 3% of the participant’s compensation, plus 50% of each participant’s elective deferrals in excess of 3% but not to exceed 5% of participant’s compensation.
- Participants are always 100% vested in their contributions, rollover contributions, employer Safe Harbor matching contributions, qualified nonelective employer contributions, Plan Sponsor discretionary matching contributions, and Plan Sponsor discretionary profit sharing contributions, plus actual investment earnings thereon.
- Participants are immediately vested upon termination of the Plan, death, total disability or upon reaching normal retirement age of 65.
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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