RFG POOLED EMPLOYER PLAN Contribution & Employer Match

How NEWPORT GROUP, INC. Supports Your Retirement Savings

NEWPORT GROUP, INC. provides retirement savings benefits through RFG POOLED EMPLOYER 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.

RFG POOLED EMPLOYER PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for RFG POOLED EMPLOYER PLAN is $22,927.00

RFG POOLED EMPLOYER PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for RFG POOLED EMPLOYER PLAN is $5,456.00. 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.
349,185.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 5,456.00 in RFG POOLED EMPLOYER PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in RFG POOLED EMPLOYER 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.

RFG POOLED EMPLOYER PLAN Total Employer Contribution and Match Rate

In 2024, RFG POOLED EMPLOYER PLAN allocates $677,651.00 to match its employees’ contributions, providing an employer match rate of 59.57% of their contributions

RFG POOLED EMPLOYER PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in RFG POOLED EMPLOYER PLAN is approximately $1,625.00
Investing in this additonal $1,625.00 for 20 years would give you extra $104,003.00, 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.

RFG POOLED EMPLOYER PLAN Contribution & Match Policy

RFG POOLED EMPLOYER PLAN Plan Policies

RFG POOLED EMPLOYER PLAN Contribution, Match and Other Plan Policies

  • Eligible participants may elect to have a percentage of their eligible compensation, as defined by the Plan and Participating Employer adoption agreement, contributed as a pre-tax or Roth contribution.
  • Participants who have attained age 50 before the end of the Plan year are eligible to make catch up contributions.
  • The Participating Employers in the Plan may elect automatic enrollment and escalation features.
  • Accordingly, the Participating Employer will automatically withhold a defined percentage of an eligible participant’s compensation based on the Participating Employer’s adoption agreement, unless they affirmatively elect not to participate in the Plan.
  • Automatically enrolled participants have their contributions invested in the designated default fund until changed by the participant.
  • Under the terms of the Participating Employer adoption agreements, the Participating Employers may elect to make safe harbor contributions, matching contributions, nonelective contributions, prevailing wage contributions, qualified nonelective contributions (QNECs) or qualified matching contributions (QMACs) to the Plan.
  • Participating Employers may also elect to make true-up matching contributions.
  • Vesting schedule: Immediate vesting to six year graded or cliff vesting, as elected by each Participating Employer.
  • Participants are immediately vested in their contributions plus actual earnings thereon.
  • Vesting in the Participating Employer contribution portion of their accounts, plus actual earnings thereon, is based on years of service, ranging from immediate vesting to six year graded or cliff vesting, as elected by each Participating Employer.
  • Notwithstanding the above, participants become fully vested in the Participating Employer contributions upon reaching normal retirement age, death, or total or permanent disability.

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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