TEAL JONES LUMBER SERVICES, INC. 401(K) PLAN Contribution & Employer Match

How TEAL JONES LUMBER SERVICES, INC. Supports Your Retirement Savings

TEAL JONES LUMBER SERVICES, INC. provides retirement savings benefits through TEAL JONES LUMBER SERVICES, INC. 401(K) 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.

TEAL JONES LUMBER SERVICES, INC. 401(K) PLAN Average Participant Retirement Account Value

In 2024, the average participant retirement account value for TEAL JONES LUMBER SERVICES, INC. 401(K) PLAN is $23,589.00

TEAL JONES LUMBER SERVICES, INC. 401(K) PLAN Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for TEAL JONES LUMBER SERVICES, INC. 401(K) PLAN is $2,257.00. 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.
144,505.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 2,257.00 in TEAL JONES LUMBER SERVICES, INC. 401(K) PLAN, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in TEAL JONES LUMBER SERVICES, INC. 401(K) 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.

TEAL JONES LUMBER SERVICES, INC. 401(K) PLAN Total Employer Contribution and Match Rate

In 2024, TEAL JONES LUMBER SERVICES, INC. 401(K) PLAN allocates $524,709.00 to match its employees’ contributions, providing an employer match rate of 66.68% of their contributions

TEAL JONES LUMBER SERVICES, INC. 401(K) PLAN Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in TEAL JONES LUMBER SERVICES, INC. 401(K) PLAN is approximately $1,355.00
Investing in this additonal $1,355.00 for 20 years would give you extra $86,773.00, 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.

TEAL JONES LUMBER SERVICES, INC. 401(K) PLAN Contribution & Match Policy

TEAL JONES LUMBER SERVICES, INC. 401(K) PLAN Plan Policies

TEAL JONES LUMBER SERVICES, INC. 401(K) PLAN Contribution, Match and Other Plan Policies

  • Participants may elect to contribute any percentage of their annual compensation subject to certain Internal Revenue Code (IRC) limitations.
  • In addition, participants over age 50 are permitted to make catch-up contributions, as defined in the Plan.
  • The Plan includes a Qualified Automatic Contribution Arrangement (QACA) whereby eligible participants will have an automatic deferral amount of 3% of eligible compensation withheld, unless the participant elected to have another amount or 0%.
  • Each successive year the deferral will increase by 1%, to a maximum amount of 10%.
  • The Company has elected to make QACA safe-harbor matching contributions to all employees who have deferred to the Plan at a rate of 100% of the first 3% of gross compensation contributed, and 50% of the next 2% of gross compensation contributed.
  • The Company may also make discretionary employer matching contributions not to exceed 4% of eligible compensation, or profit sharing contributions using an integrated allocation method.
  • Participants’ contributions are fully vested at all times. The Company’s QACA safe harbor contributions, and the earnings or losses thereon, vest in 0% after year 1, and 100% after year 2. The
  • Less than 2 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:

 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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