RSCI RETIREMENT PLAN Contribution & Employer Match

How RECORD STEEL AND CONSTRUCTION, INC. DBA RSCI Supports Your Retirement Savings

RECORD STEEL AND CONSTRUCTION, INC. DBA RSCI provides retirement savings benefits through RSCI 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.

RSCI RETIREMENT PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for RSCI RETIREMENT PLAN is $43,061.00

RSCI RETIREMENT PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for RSCI RETIREMENT PLAN is $7,056.00. 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.
451,602.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 7,056.00 in RSCI RETIREMENT PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in RSCI 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.

RSCI RETIREMENT PLAN Total Employer Contribution and Match Rate

In 2024, RSCI RETIREMENT PLAN allocates $1,295,932.00 to match its employees’ contributions, providing an employer match rate of 110.64% of their contributions

RSCI RETIREMENT PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in RSCI RETIREMENT PLAN is approximately $3,903.00
Investing in this additonal $3,903.00 for 20 years would give you extra $249,818.00, 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.

RSCI RETIREMENT PLAN Contribution & Match Policy

RSCI RETIREMENT PLAN Plan Policies

RSCI RETIREMENT PLAN Contribution, Match and Other Plan Policies

  • Each year participants may make elective deferrals of their pretax annual compensation up to the maximum limits, as defined in the Plan.
  • Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
  • Participants may also contribute amounts representing distributions from other qualified plans (rollover).
  • adopted a Safe Harbor matching Formula beginning in 2008.
  • Under this formula, the safe harbor contribution is calculated at 100% of a participant’s elective deferral up to 3% of compensation (as defined in the Plan) plus 50% of the participant’s elective deferral up to 5% of compensation (as defined in the Plan).
  • In 2008, all individuals participating in the Plan were eligible for safe harbor matching contributions.
  • Starting in 2009, all participants, who were not eligible to receive a safe harbor matching amount in 2008, had to have one year of credited service to receive a safe harbor matching contribution.
  • At their discretion, the Sponsor can make additional contributions to the Plan in the form of non-elective profit-sharing contributions.
  • Participants are 100% vested in all contributions except for Sponsor Non-Safe Harbor Matching Contributions.
  • Sponsor Non-Safe Harbor Matching Contributions vest based on a graduated vesting schedule which is determined by continuous years of service.
  • The Plan utilizes a graduated vesting schedule allowing a participant to become 100% vested after six 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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