ROYAL NEIGHBORS OF AMERICA 401(K) RETIREMENT PLAN Contribution & Employer Match

How ROYAL NEIGHBORS OF AMERICA Supports Your Retirement Savings

ROYAL NEIGHBORS OF AMERICA provides retirement savings benefits through ROYAL NEIGHBORS OF AMERICA 401(K) 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.

ROYAL NEIGHBORS OF AMERICA 401(K) RETIREMENT PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for ROYAL NEIGHBORS OF AMERICA 401(K) RETIREMENT PLAN is $164,742.00

ROYAL NEIGHBORS OF AMERICA 401(K) RETIREMENT PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for ROYAL NEIGHBORS OF AMERICA 401(K) RETIREMENT PLAN is $5,596.00. 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.
358,170.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 5,596.00 in ROYAL NEIGHBORS OF AMERICA 401(K) RETIREMENT PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in ROYAL NEIGHBORS OF AMERICA 401(K) 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.

ROYAL NEIGHBORS OF AMERICA 401(K) RETIREMENT PLAN Total Employer Contribution and Match Rate

In 2024, ROYAL NEIGHBORS OF AMERICA 401(K) RETIREMENT PLAN allocates $1,092,759.00 to match its employees’ contributions, providing an employer match rate of 97.14% of their contributions

ROYAL NEIGHBORS OF AMERICA 401(K) RETIREMENT PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in ROYAL NEIGHBORS OF AMERICA 401(K) RETIREMENT PLAN is approximately $5,253.00
Investing in this additonal $5,253.00 for 20 years would give you extra $336,233.00, 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.

ROYAL NEIGHBORS OF AMERICA 401(K) RETIREMENT PLAN Contribution & Match Policy

ROYAL NEIGHBORS OF AMERICA 401(K) RETIREMENT PLAN Plan Policies

ROYAL NEIGHBORS OF AMERICA 401(K) RETIREMENT PLAN Contribution, Match and Other Plan Policies

  • Eligible participants may contribute 100% of their compensation to the plan annually, subject to maximums imposed by law.
  • The maximum deferral is $23,000 and $22,500 in 2024 and 2023, respectively, with the option of an additional $7,500 catch-up deferral for 2024 and 2023, for those 50 years of age or older.
  • Contributions of 2% of each eligible participant’s compensation are made each year by the Society, in addition to the Society matching 100% of the first 4% of employee contributions.
  • An additional discretionary employer contribution of up to 3% of each eligible participant’s annual compensation will be contingent upon approval by the Board of Directors subsequent to the end of each year.
  • At the February 19, 2024, meeting of the Board of Directors, a discretionary employer contribution of 2.70% was approved.
  • Participants are immediately vested in their contributions plus actual earnings thereon.
  • Immediate vesting occurs with respect to the Society’s regular and matching contributions.
  • Vesting in the Society’s discretionary employer contribution portion of their accounts plus actual earnings thereon is based on years of service.
  • A participant is 100% vested after three years of credited service with regards to the discretionary contribution.

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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