THE DEICHMANN U.S. RETIREMENT BENEFIT PROGRAM Contribution & Employer Match

How RACK ROOM SHOES, INC. Supports Your Retirement Savings

RACK ROOM SHOES, INC. provides retirement savings benefits through THE DEICHMANN U.S. RETIREMENT BENEFIT PROGRAM. 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.

THE DEICHMANN U.S. RETIREMENT BENEFIT PROGRAM Average Participant Retirement Account Value

In 2024, the average participant retirement account value for THE DEICHMANN U.S. RETIREMENT BENEFIT PROGRAM is $26,106.00

THE DEICHMANN U.S. RETIREMENT BENEFIT PROGRAM Estimated Average Employee Contribution Amount

In 2024, the estimated average employee contribution amount per participant for THE DEICHMANN U.S. RETIREMENT BENEFIT PROGRAM is $917.00. 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.
58,707.00: this is the amount you will have accumulated 20 years later if you annually contribute the average contribution amount 917.00 in THE DEICHMANN U.S. RETIREMENT BENEFIT PROGRAM, assuming a 10%* annual return.

* Data are from public filings.

Employer Match in THE DEICHMANN U.S. RETIREMENT BENEFIT PROGRAM

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.

THE DEICHMANN U.S. RETIREMENT BENEFIT PROGRAM Total Employer Contribution and Match Rate

In 2024, THE DEICHMANN U.S. RETIREMENT BENEFIT PROGRAM allocates $2,469,597.00 to match its employees’ contributions, providing an employer match rate of 62.81% of their contributions

THE DEICHMANN U.S. RETIREMENT BENEFIT PROGRAM Estimated Average Employer Match

In 2024, the estimated average employer match for an employee in THE DEICHMANN U.S. RETIREMENT BENEFIT PROGRAM is approximately $799.00
Investing in this additonal $799.00 for 20 years would give you extra $51,150.00, 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.

THE DEICHMANN U.S. RETIREMENT BENEFIT PROGRAM Contribution & Match Policy

THE DEICHMANN U.S. RETIREMENT BENEFIT PROGRAM Plan Policies

THE DEICHMANN U.S. RETIREMENT BENEFIT PROGRAM Contribution, Match and Other Plan Policies

  • Each year, participants may contribute up to 100% of their annual eligible compensation, as defined in the plan document.
  • Participants who have attained age 50 before the end of the plan year are eligible to make catch-up contributions.
  • The Employer provides a safe harbor matching contribution equal to 100% of the participant’s elective deferral not to exceed 6% of the participant’s eligible compensation per payroll period.
  • The Employer may decide to make additional discretionary nonelective contributions to the Plan, although the Employer is not required to do so.
  • There were no additional discretionary nonelective contributions made to the Plan by the Employer for the years ended December 31, 2024 and 2023.

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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