R&Q SOLUTIONS 401K PLAN Contribution & Employer Match
How R&Q SOLUTIONS Supports Your Retirement Savings
R&Q SOLUTIONS provides retirement savings benefits through R&Q SOLUTIONS 401K 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.
R&Q SOLUTIONS 401K PLAN Average Participant Retirement Account Value
R&Q SOLUTIONS 401K PLAN Estimated Average Employee Contribution Amount
443,133.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 6,923.00 in R&Q SOLUTIONS 401K PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in R&Q SOLUTIONS 401K 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.
R&Q SOLUTIONS 401K PLAN Total Employer Contribution and Match Rate
R&Q SOLUTIONS 401K PLAN Estimated Average Employer Match
Investing in this additonal $2,813.00 for 20 years would give you extra $180,042.00, 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.
R&Q SOLUTIONS 401K PLAN Contribution & Match Policy
R&Q SOLUTIONS 401K PLAN Contribution, Match and Other Plan Policies
- Participants may contribute up to the maximum amounts permitted by the Internal Revenue Code (IRC), including catch-up amounts for participants age 50 and over, as defined in the Plan.
- The Plan includes an auto-enrollment provision whereby all newly eligible employees are automatically enrolled in the Plan if they have not completed a salary deferral agreement within 30 days after becoming eligible to enter the Plan and make salary deferrals.
- Automatically enrolled participants have their deferral rate set at 2% of the employee’s eligible earnings for each payroll period and contribute that amount to the Plan as a Pre-Tax Elective Deferral.
- The Plan does not contain auto-escalation provisions.
- The Company has elected a Traditional Safe Harbor 401(k) Plan and will make a Safe Harbor Matching Contribution equal to 100% of the first 4% of the participant’s elective deferrals.
- For those participants electing less than 4% contribution, the recalculation was adjusted accordingly.
- Participants are 100% vested in their deferral contribution, safe harbor matching and rollover (if any) contribution accounts. If the Company makes a qualified matching contribution (qualified nonelective contribution), the participant is 100% vested in this contribution account. A participant becomes 100% vested in case of death, total and permanent disability, or attainment of age 65, the Plan’s normal retirement age or age 59.5, which is the early retirement age under the terms of the Plan. If a participant leaves the Company for any other reason, the Company’s matching contributions other than safe harbor matching contributions, if any, are vested based on the following graded schedule: Years of Service Vesting %
- Less than 2 years: 0%
- 6+ years: 100%
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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