SAVANNAH DISTRIBUTING CO. , INC. 401(K) PLAN Contribution & Employer Match
How SAVANNAH DISTRIBUTING CO., INC. Supports Your Retirement Savings
SAVANNAH DISTRIBUTING CO., INC. provides retirement savings benefits through SAVANNAH DISTRIBUTING CO. , 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.
SAVANNAH DISTRIBUTING CO. , INC. 401(K) PLAN Average Participant Retirement Account Value
SAVANNAH DISTRIBUTING CO. , INC. 401(K) PLAN Estimated Average Employee Contribution Amount
172,650.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,697.00 in SAVANNAH DISTRIBUTING CO. , INC. 401(K) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in SAVANNAH DISTRIBUTING CO. , 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.
SAVANNAH DISTRIBUTING CO. , INC. 401(K) PLAN Total Employer Contribution and Match Rate
SAVANNAH DISTRIBUTING CO. , INC. 401(K) PLAN Estimated Average Employer Match
Investing in this additonal $919.00 for 20 years would give you extra $58,854.00, 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.
SAVANNAH DISTRIBUTING CO. , INC. 401(K) PLAN Contribution & Match Policy
SAVANNAH DISTRIBUTING CO. , INC. 401(K) PLAN Contribution, Match and Other Plan Policies
- Each year, participants may contribute up to 100% of their eligible annual compensation as defined by the Plan on a pre-tax and/or after-tax basis, not to exceed statutory limitations established annually by the Internal Revenue Service (IRS).
- The limits prescribed by the IRS for December 31, 2024 and 2023 were $23,000 and $7,500 (catch-up), and $22,500 and $7,500 (catch-up), respectively.
- Participants may also contribute amounts representing distributions from other qualified defined benefit or defined contribution plans.
- The Company also may make discretionary matches based on Company profitability, and for the last two years has contributed 50% of a participant’s deferral up to 6% of the participant’s compensation.
- Participants are immediately 100% vested in their contributions. Vesting in the Company’s discretionary matching contributions is based on years of service in accordance with the following schedule: Years of Service:
- Less than 2 years: 0%
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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