SUNRISE CARPENTRY, INC. RETIREMENT PLAN Contribution & Employer Match
How SUNRISE CARPENTRY, INC. Supports Your Retirement Savings
SUNRISE CARPENTRY, INC. provides retirement savings benefits through SUNRISE CARPENTRY, INC. RETIREMENT 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.
SUNRISE CARPENTRY, INC. RETIREMENT PLAN Average Participant Retirement Account Value
SUNRISE CARPENTRY, INC. RETIREMENT PLAN Estimated Average Employee Contribution Amount
31,782.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 496.00 in SUNRISE CARPENTRY, INC. RETIREMENT PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in SUNRISE CARPENTRY, INC. RETIREMENT 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.
SUNRISE CARPENTRY, INC. RETIREMENT PLAN Total Employer Contribution and Match Rate
SUNRISE CARPENTRY, INC. RETIREMENT PLAN Estimated Average Employer Match
Investing in this additonal $212.00 for 20 years would give you extra $13,572.00, 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.
SUNRISE CARPENTRY, INC. RETIREMENT PLAN Contribution & Match Policy
1. Employee Contribution Rates: Employees can contribute a percentage of compensation or a dollar amount of compensation, subject to ERISA limits.
2. Employer Match/Contribution Conditions: The employer matches the lesser of 50% of contributions or 3% of annual salary for participants who made an elective deferral contribution during the year and completed at least 1,000 hours of service within that Plan year.
3. Vesting Schedule/Eligibility: Participants are 100% vested in all their accounts attributable to elective deferral, matching contributions, non-elective contributions, rollover contributions, and traditional safe-harbor contributions. Eligibility requires one year of service and being age twenty-one or older.
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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