R.S.M. ELECTRON POWER, INC 401(K) PLAN Contribution & Employer Match

How R.S.M. ELECTRON POWER, INC Supports Your Retirement Savings

R.S.M. ELECTRON POWER, INC provides retirement savings benefits through R.S.M. ELECTRON POWER, INC 401(K) 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.S.M. ELECTRON POWER, INC 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for R.S.M. ELECTRON POWER, INC 401(K) PLAN is $103,204.00

R.S.M. ELECTRON POWER, INC 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for R.S.M. ELECTRON POWER, INC 401(K) PLAN is $7,377.00. 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.
472,132.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 7,377.00 in R.S.M. ELECTRON POWER, INC 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in R.S.M. ELECTRON POWER, INC 401(K) 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.S.M. ELECTRON POWER, INC 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, R.S.M. ELECTRON POWER, INC 401(K) PLAN allocates $865,956.00 to match its employees’ contributions, providing an employer match rate of 39.19% of their contributions

R.S.M. ELECTRON POWER, INC 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in R.S.M. ELECTRON POWER, INC 401(K) PLAN is approximately $2,723.00
Investing in this additonal $2,723.00 for 20 years would give you extra $174,280.00, 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.S.M. ELECTRON POWER, INC 401(K) PLAN Contribution & Match Policy

R.S.M. ELECTRON POWER, INC 401(K) PLAN Plan Policies

R.S.M. ELECTRON POWER, INC 401(K) PLAN Contribution, Match and Other Plan Policies

  • Upon meeting eligibility requirements participants may contribute up to 90% of their plan compensation on a pre-tax and/or after-tax Roth basis, subject to the Internal Revenue Code of 1986, as amended ("IRC") limitations.
  • Participants who are at least age 50 may make an additional "catch-up" contribution subject to IRC limitations.
  • All eligible employees and new hires who do not opt out or do not make a separate deferral election upon meeting eligibility requirements will be automatically enrolled in the Plan with a pre-tax deferral contribution of 3%.
  • The Plan has an auto escalation feature whereby participant deferrals will increase by 1% each year, with a maximum deferral rate of 15%.
  • The Company contributes a safe harbor matching contribution on a payroll by payroll basis equal to 100% of the first 3% of participant’s compensation and 50% of the participant’s deferrals in excess of 2%, but less than 5% of compensation, for a maximum match of 4%.
  • Participants are fully vested in that portion of their account which represents their contributions, the Company safe harbor matching contributions and the income earned thereon.
  • Participants become 100% vested in their other company’s contributions and earnings thereon upon death, total and permanent disability, or attainment of normal retirement age.
  • Otherwise, a participant’s interest in their other company’s contributions and earnings thereon vests according to the following schedule: Completed Years of Service Percent Vested 1 year 0% 2 years 20% 3 years 40% 4 years 60% 5 years 80% 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:

 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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