STRUCTURE TONE ORGANIZATION 401K PROFIT SHARING PLAN Contribution & Employer Match
How STO BUILDING GROUP, INC. Supports Your Retirement Savings
STO BUILDING GROUP, INC. provides retirement savings benefits through STRUCTURE TONE ORGANIZATION 401K 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.
STRUCTURE TONE ORGANIZATION 401K PROFIT SHARING PLAN Average Participant Retirement Account Value
STRUCTURE TONE ORGANIZATION 401K PROFIT SHARING PLAN Estimated Average Employee Contribution Amount
569,252.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 8,894.00 in STRUCTURE TONE ORGANIZATION 401K PROFIT SHARING PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in STRUCTURE TONE ORGANIZATION 401K 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.
STRUCTURE TONE ORGANIZATION 401K PROFIT SHARING PLAN Total Employer Contribution and Match Rate
STRUCTURE TONE ORGANIZATION 401K PROFIT SHARING PLAN Estimated Average Employer Match
Investing in this additonal $2,463.00 for 20 years would give you extra $157,686.00, 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.
STRUCTURE TONE ORGANIZATION 401K PROFIT SHARING PLAN Contribution & Match Policy
STRUCTURE TONE ORGANIZATION 401K PROFIT SHARING PLAN Contribution, Match and Other Plan Policies
- Each year, participants may contribute up to 60% of eligible annual compensation, as defined in the Plan, provided that such contributions do not exceed the limitations under the Internal Revenue Code (the "Code") for 2024 of $23,000, plus a maximum of $7,500 in catch-up contributions for participants who have attained age 50 before the end of the Plan year.
- The Plan includes an auto-enrollment provision whereby all newly eligible employees are automatically enrolled in the Plan unless they affirmatively elect not to participate in the Plan.
- Automatically enrolled participants have their deferral rate set at 3% of eligible compensation.
- The Sponsor makes a matching contribution of 50% of the first 6% of eligible compensation that participants contribute to the Plan each year.
- Vesting in the Sponsor’s contribution portion of their accounts is based on years of continuous service as follows: Years of Service:
- Less than 3 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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