SPAHN & ROSE LUMBER CO EMPLOYEE’S 401(K) PROFIT SHARING PLAN Contribution & Employer Match

How SPAHN & ROSE LUMBER CO. Supports Your Retirement Savings

SPAHN & ROSE LUMBER CO. provides retirement savings benefits through SPAHN & ROSE LUMBER CO EMPLOYEE’S 401(K) PROFIT SHARING 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.

SPAHN & ROSE LUMBER CO EMPLOYEE’S 401(K) PROFIT SHARING PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for SPAHN & ROSE LUMBER CO EMPLOYEE’S 401(K) PROFIT SHARING PLAN is $58,681.00

SPAHN & ROSE LUMBER CO EMPLOYEE’S 401(K) PROFIT SHARING PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for SPAHN & ROSE LUMBER CO EMPLOYEE’S 401(K) PROFIT SHARING PLAN is $5,306.00. 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.
339,592.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 5,306.00 in SPAHN & ROSE LUMBER CO EMPLOYEE’S 401(K) PROFIT SHARING PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in SPAHN & ROSE LUMBER CO EMPLOYEE’S 401(K) PROFIT SHARING 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.

SPAHN & ROSE LUMBER CO EMPLOYEE’S 401(K) PROFIT SHARING PLAN Total Employer Contribution and Match Rate

In 2024, SPAHN & ROSE LUMBER CO EMPLOYEE’S 401(K) PROFIT SHARING PLAN allocates $2,003,517.00 to match its employees’ contributions, providing an employer match rate of 129.31% of their contributions

SPAHN & ROSE LUMBER CO EMPLOYEE’S 401(K) PROFIT SHARING PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in SPAHN & ROSE LUMBER CO EMPLOYEE’S 401(K) PROFIT SHARING PLAN is approximately $3,430.00
Investing in this additonal $3,430.00 for 20 years would give you extra $219,563.00, 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.

SPAHN & ROSE LUMBER CO EMPLOYEE’S 401(K) PROFIT SHARING PLAN Contribution & Match Policy

SPAHN & ROSE LUMBER CO EMPLOYEE’S 401(K) PROFIT SHARING PLAN Plan Policies

SPAHN & ROSE LUMBER CO EMPLOYEE’S 401(K) PROFIT SHARING PLAN Contribution, Match and Other Plan Policies

  • Participants may elect to contribute the maximum allowed by Internal Revenue Service (IRS) regulations.
  • Participants may elect to contribute to a Roth 401(k) that would allow the participant to make after-tax contributions.
  • Such contributions are subject to the provisions of the Internal Revenue Code (IRC).
  • Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
  • The Plan contains an automatic deferral feature, whereby a participant is treated as electing to defer 4% of eligible compensation unless the participant makes an affirmative election otherwise.
  • Under this provision, the Sponsor made a matching contribution equal to 100% of each participant’s elective deferrals up to 3% of compensation, plus 50% of elective deferrals greater than 3% but not exceeding 5% of compensation.
  • Participants are immediately vested in their voluntary contributions and Sponsor safe harbor matching contributions plus actual earnings thereon.
  • Vesting in the Sponsor’s discretionary contributions is based on years of service and are 100% vested after five years of credited service.
  • Upon normal retirement age (65 years), death or disability, the participant will automatically become 100% vested.

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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