SPECIFIED AIR SOLUTIONS, LLC PROFIT SHARING PLAN Contribution & Employer Match
How ROBERTS GORDON LLC Supports Your Retirement Savings
ROBERTS GORDON LLC provides retirement savings benefits through SPECIFIED AIR SOLUTIONS, LLC 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.
SPECIFIED AIR SOLUTIONS, LLC PROFIT SHARING PLAN Estimated Average Employee Contribution Amount
284,901.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,451.00 in SPECIFIED AIR SOLUTIONS, LLC PROFIT SHARING PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in SPECIFIED AIR SOLUTIONS, LLC 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.
SPECIFIED AIR SOLUTIONS, LLC PROFIT SHARING PLAN Total Employer Contribution and Match Rate
SPECIFIED AIR SOLUTIONS, LLC PROFIT SHARING PLAN Estimated Average Employer Match
Investing in this additonal $1,066.00 for 20 years would give you extra $68,277.00, 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.
SPECIFIED AIR SOLUTIONS, LLC PROFIT SHARING PLAN Contribution & Match Policy
SPECIFIED AIR SOLUTIONS, LLC PROFIT SHARING PLAN Contribution, Match and Other Plan Policies
- Each year, eligible employees may elect to contribute, on a pretax basis, up to 100% of their eligible compensation to the Plan, not to exceed the limit in Section 402(g) under the Internal Revenue Code (IRC).
- Eligible employees who have attained age 50 before the close of the Plan year are allowed to make catch-up contributions up to the maximum allowed by the IRC.
- The Company has elected to make a Company safe harbor matching contribution of 100% of the Participant’s deferrals up to 3% of compensation, plus 50% of the Participant’s deferrals that exceed 3% of compensation but do not exceed 5% of compensation.
- Participants are immediately vested in the value of their salary deferrals, Company safe harbor matching contributions, and rollovers, plus related investment earnings (losses).
- Any Company discretionary contributions vest according to the following schedule: Vesting schedule: Years of Service: Less than two – Vested Percentage: 0% Years of Service: Two – Vested Percentage: 20% Years of Service: Three – Vested Percentage: 40% Years of Service: Four – Vested Percentage: 60% Years of Service: Five – Vested Percentage: 80% Years of Service: Six – Vested Percentage: 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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