TH FOODS, INC. 401(K) PLAN Contribution & Employer Match
How TH FOODS, INC. Supports Your Retirement Savings
TH FOODS, INC. provides retirement savings benefits through TH FOODS, 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.
TH FOODS, INC. 401(K) PLAN Average Participant Retirement Account Value
TH FOODS, INC. 401(K) PLAN Estimated Average Employee Contribution Amount
280,062.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 4,375.00 in TH FOODS, INC. 401(K) PLAN, assuming a 10%* annual return.
* Data are from public filings.
Employer Match in TH FOODS, 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.
TH FOODS, INC. 401(K) PLAN Total Employer Contribution and Match Rate
TH FOODS, INC. 401(K) PLAN Estimated Average Employer Match
Investing in this additonal $2,204.00 for 20 years would give you extra $141,062.00, 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.
TH FOODS, INC. 401(K) PLAN Contribution & Match Policy
TH FOODS, INC. 401(K) PLAN Contribution, Match and Other Plan Policies
- Eligible employees of the Company may make voluntary tax-deferred and Roth contributions, subject to Internal Revenue Code (IRC) limitations, as defined in the Plan.
- Eligible employees hired after November 1, 2010, are subject to automatic enrollment whereby the employer will withhold 3% of the participant’s compensation unless the eligible employee elects a different percentage.
- Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
- Participants may also contribute amounts representing distributions from other qualified defined benefit or defined contribution plans.
- The Company will make safe harbor matching contributions in addition to annually determining a discretionary matching contribution percentage, if any.
- The Company made a safe harbor matching contribution equal to 100% of deferrals based on the first 3% of the participant’s compensation, plus 50% of deferrals based on the next 2% of the participant’s compensation.
- The Company did not make a discretionary matching contribution in 2024.
- The Company may also make discretionary profit-sharing contributions to the Plan as determined by the Company’s Board of Directors.
- The Company did not make a discretionary profit-sharing contribution in 2024.
- Participants are immediately vested in their voluntary contributions, rollover contributions, and Company safe harbor matching contributions plus actual earnings thereon.
- Vesting in the remainder of their accounts is based on years of continuous service.
- Participants vest 20% after one year of credited service and an additional 20% every year thereafter.
- A participant is 100% vested in the remainder of their accounts after five years.
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.
Get Key Insights for This Plan
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