SPIRAL BINDING, LLC 401(K) PROFIT SHARING PLAN Contribution & Employer Match

How SPIRAL BINDING LLC Supports Your Retirement Savings

SPIRAL BINDING LLC provides retirement savings benefits through SPIRAL BINDING, LLC 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.

SPIRAL BINDING, LLC 401(K) PROFIT SHARING PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for SPIRAL BINDING, LLC 401(K) PROFIT SHARING PLAN is $46,658.00

SPIRAL BINDING, LLC 401(K) PROFIT SHARING PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for SPIRAL BINDING, LLC 401(K) PROFIT SHARING PLAN is $2,279.00. 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.
145,860.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,279.00 in SPIRAL BINDING, LLC 401(K) PROFIT SHARING PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in SPIRAL BINDING, LLC 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.

* 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.

SPIRAL BINDING, LLC 401(K) PROFIT SHARING PLAN Contribution & Match Policy

SPIRAL BINDING, LLC 401(K) PROFIT SHARING PLAN Plan Policies

SPIRAL BINDING, LLC 401(K) PROFIT SHARING PLAN Contribution, Match and Other Plan Policies

  • Each year, participants may elect to contribute a portion of their compensation, subject to certain maximum limitations imposed by Section 402(g) of the IRC.
  • Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
  • The Company may make discretionary matching contributions.
  • The Company did not make any discretionary employer contributions for the years ended December 31, 2023 and 2022.
  • Participants are vested immediately in their contributions plus actual earnings thereon.
  • Participants vest in discretionary employer matching and profit-sharing contributions on a 6-year graded schedule with 20% vesting at the end of two years of service, vesting an additional 20% each year, and becoming fully invested in discretionary employer matching and profit sharing contributions at the end of the sixth year of 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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